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Mut is a farmer in Prey Kabbas district, Takeo province. She was photographed with her husband, at home. Together, they have given birth to five children, two of whom are employed in their respective careers. The remaining children are dependent upon her.

Mut began farming in 1980, with a hope of earning enough profit from the business to provide for the needs of her family. She is a very hard-working woman. She works five to seven hours per day at the rice field, and she uses the rest of her time to take care of her family.

Mut will use this loan to build a hygienic latrine and septic tank for the use of her family members. In this way, she will improve her household's sanitation practices. Thanks to the water loan program, with an attractive interest rate offered by Hattha Kaksekar Limited (HKL), Mut is encouraged to focus on ensuring healthy living conditions, safeguarding her family's health and protecting their 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
  • 41
    View loans »
    Cambodia Loans Fundraising
  • $38,746,925
    Funds lent in using Kiva
  • 3,997.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Mut to build a hygienic latrine and septic tank for her family.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 17, 2014
Mar 27, 2014
Currency Exchange Loss:
Apr 17, 2015