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Saray
Saray is 35 years old and a resident living in a small village of Kralanh, Siem Reap province. She is married to Lout, a 35-year-old farmer and a loving father of two school-going children. Saray operates a rice farming business and earns additional income from rice trading. From her current businesses she is able to earn well for her family.

Saray wants to improve water and sanitation for her entire household, but she has insufficient capital to make it possible. That’s why she is asking for a loan amounting to USD1,500 to build a hygienic latrine and septic tank. Thanks to the water loan program with a special rate offered by Hattha Kaksekar Limited (HKL), Saray 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
  • 278
    View loans »
    Cambodia Loans Fundraising
  • $37,506,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Saray to build a hygienic latrine and septic tank.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 7, 2014
Listed
Feb 28, 2014
Currency Exchange Loss:
N/A
Ended:
Feb 20, 2015