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Em
Em is 43 years old, married and the mother of three children living with her family in a peaceful village in Baray, Kampong Thom province. Em and her husband make a living by making and selling wooden beds and rattan products. From her current business, she is able to make a good income, which is usually spent on their food expenses, home bills and other commodities. She has been in this occupation for 20 years.

Besides the hardships she faces in her business and life, Em has turned to focus on improving sanitation practices for the entire household. Due to insufficient capital, she is asking for a loan to build a hygienic latrine for the sake of her family members. Thanks to the water loan program with a special rate offered by Hattha Kaksekar Limited (HKL), Em 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
  • 117
    View loans »
    Cambodia Loans Fundraising
  • $36,587,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $575 helped Em to build a hygienic latrine.
68% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 23, 2014
Listed
Feb 23, 2014
Currency Exchange Loss:
N/A