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Dul is an experienced farmer from the village of Santuk district in Kampong Thom province. He is 34 of age and married with one child who is attending local school. To make a living, Dul plants and harvests rice, which he keeps in a barn for the whole year food and also sells in the local markets for money. He has been engaged in this occupation for nearly 15 years and earns approximately $4.54 per day.

Dul would like to gain access to financial services to help improve his living situation. He will use the loan to build a safe latrine at home, so everyone in his family can use it comfortably. Thanks to the water loan program offered by HKL with a special rate. It has encouraged Dul to focus on ensuring healthful living conditions to safeguard the health of his family and protect the environment.

Additional Information

More information about this loan

This loan is part of HKL's new water and sanitation loan program designed to help improve living standards of poor and low-income people living in Cambodia. Loans under the program are directed at various products that help improve access to clean water and improved sanitation facilities including loans for water tanks, filters, wells, distribution, and latrines. These loans help to reduce rates of waterborne disease, improve health, and increase economic outcomes for poor families. HKL has designed this social loan product to feature a lower rate than typical.

About HKL

Hattha Kaksekar Limited is one of the largest and most successful microfinance institutions (MFIs) in Cambodia. The organization provides microfinance services to the poor, particularly women, in urban and rural areas. Kiva lenders’ funds will be used to expand the outreach of HKL’s financial services to a greater number of clients in rural areas of Cambodia.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 257
    View loans »
    Cambodia Loans Fundraising
  • $38,148,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Dul to build a safe latrine at home, so everyone in his family can use it comfortably.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Jan 6, 2014
Currency Exchange Loss:
Oct 17, 2014