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Sarom is 24 years old, married, and the mother of a lovely kid. She resides in a rural area of Svay Check district, Banteay Meanchey province. She and her husband help each other manage their own farm, which is not far away, about a 10-minute walk from their home. They have been farmers for more than five years, and earn a decent income, which they usually use for daily meals and other living costs. Their primary crop is rice, which is harvested and sold into the market of the province, every harvest season.

Sarom has been an honest client with Hattha Kaksekar for two loans already, and she has never been late on any of her loans. As this is her third loan cycle, she will use the loan funds to build a hygienic latrine, for the sake of her family members. She has not had a proper one before. Thanks to the water loan program, with a special interest rate offered by HKL, Sarom 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
  • 257
    View loans »
    Cambodia Loans Fundraising
  • $38,148,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $625 helped Sarom to build a hygienic latrine for the use of her family.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 5, 2014
Jun 8, 2014
Currency Exchange Loss:
Apr 17, 2015