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Chhon is 65 years old and a farmer in Prey Veng Province of Cambodia. He operates a farming business in the rice field near his house. So far, he has been a farmer for 40 years, and the net profit that he can make is $5 per day.

Chhon would like to improve his living conditions and make life more comfortable by having clean energy like solar to use in his household. Due to insufficient funds, he has applied for a loan from Kiva to buy a solar energy system for his home.

This purchase will enable him to gain access to solar electricity which provides power to home devices such as lights, television, and radio.

He thanks lenders for the financial support through Hattha Kaksekar Limited (HKL) which provides him with a much lower interest rate than for its general loan products.

Additional Information

More information about this loan

This loan is part of HKL's new green loan program designed to help improve living standards of poor and low-income people living in rural areas of Cambodia by giving them access to clean energy. Solar loans under this program allow poor families living off the grid to invest in solar home systems that can power lights, fans, radios, and mobile phones. HKL also disburses loans for biogas digester plants which allow farmers to convert animal and human waste into biogas that can be used to power clean cookstoves and organic fertilizer for their farms. These loans have numerous economic, health, environmental, and social benefits for families which include saving money and time collecting fuelwood, reducing smoke-borne diseases, and allowing family members to do schoolwork and housework in the evening. HKL has designed these social loan products to feature a lower interest rate than typical Kiva loans.

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
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Chhon to buy a solar energy system for his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 17, 2014
Jul 9, 2014
Currency Exchange Loss:
Mar 17, 2015