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Ram
Ram is a 34-year-old married woman from the Moung Ruessei district, Battambang. She has five children, two of whom are employed as paid laborers in a neighboring country of Cambodia, where they expect to earn a higher wage than locally, while the remaining three children are under her care. Ram toils the land and grows rice as her main crop on around one hectare of farmland. She has been a farmer for more than 14 years.
To help improve her sanitation, Ram would like to request a loan to build a household latrine. As shown in the photo, she already bought bricks and sand for the construction; however, she needs some materials like a septic tank, cement, and top surface of the toilet. Due to insufficient capital, she is asking a loan from HKL and Kiva. Thanks to the water loan program with a special rate offered by Hattha Kaksekar Limited (HKL), Ram is encouraged to focus on ensuring healthy living conditions, to safeguard the health of her family and to 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
  • 126
    View loans »
    Cambodia Loans Fundraising
  • $36,179,850
    Funds lent in using Kiva
  • 3,998.9
    Cambodia Riels (KHR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,025 helped Ram to build a household latrine.
66% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 23, 2013
Listed
Jan 24, 2014
Currency Exchange Loss:
Possible