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Sokim is a 36-year-old woman who lives in Svay Check district, Banteay Meanchey. She is a very responsible, loving mother of a single child who attends school. Her husband and child help with cultivating rice, especially during the rainy season from May to October. She also works as a day laborer for additional income. She has been involved in farming for nearly 20 years.

Sokim will use her loan to build a hygienic latrine and septic tank for the sake of her family members. This will improve her household sanitation practices. Thanks to the water loan program, with a special rate offered by Hattha Kaksekar Limited (HKL), Sokim 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 Cambodia

  • $2,600
    Average annual income
  • 39
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $775 helped Sokim to build a hygienic latrine and septic tank for her family.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 4, 2014
Apr 4, 2014
Currency Exchange Loss:
Apr 17, 2015