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Nith, 54, lives in Svay Chek District, Bantheay Meanchey Province, Cambodia. He is a respectful father of three children. To ensure his students can get a further education, Nith and his wife work extremely hard on the farm land on which they grow rice and sell the products to the local dealers. The net profit that this guy can make is USD 5 per day.

Nith wishes to promote his family's healthy condition by using a hygienic latrine, yet the money that he has saved is not enough. He is now borrowing a loan from HKL to build a latrine for the sake of his family members. He would like to thank lenders for the financial support via HKL, which provides him with a much lower interest rate than its general loan product

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
  • 37
    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 $625 helped Nith to build a latrine.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 4, 2014
Jul 12, 2014
Currency Exchange Loss:
Jul 17, 2015