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Hem
Hem, 47 years old, is a very hardworking woman who is dedicated to a farming business. She is married to a humble man who operates the same business as her. This couple nourishes and educates their children with the income generated from rice husbandry. They have worked in agriculture for over 20 years, and it has been the major source of their income.

Thanks to Hattha Kaksekar's new water loan program with a special rate, Hem is encouraged to focus on ensuring healthy living conditions, safeguarding her family's health and protecting the environment. She will use the loan she's applying for to build a hygienic latrine and septic tank to improve her household sanitation practices for the sake of her family.

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
  • 121
    View loans »
    Cambodia Loans Fundraising
  • $36,587,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $950 helped Hem to build a hygienic latrine and septic tank to improve her household sanitation practices for the sake of her family.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 10, 2014
Listed
May 10, 2014
Currency Exchange Loss:
N/A
Ended:
May 17, 2015