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Phuon is a 24-year-old married woman who has three dependent children. She lives in the Bakan District of Pursat Province which is located in the western part of Cambodia.

To earn a living, she and her husband manage a rice farming business which is the sole source of their income. So far, they have been in this occupation for five years with an average income of $5 a day.

Phuon wants to improve the general living conditions of the entire family by having a latrine to use because there is no latrine in her house now. So, she is borrowing a loan from Kiva to build a latrine and buy its facilities.

By doing this, she can help her family members gain access to sanitation, promote their health, and help to lessen environmental deterioration.

She is thankful for the loan granted through Hattha Kaksekar Limited (HKL) with a much lower interest rate than its other general loan products.

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
  • 258
    View loans »
    Cambodia Loans Fundraising
  • $37,526,425
    Funds lent in using Kiva
  • 4,049.9
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Phuon to build a latrine.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 22, 2014
Jul 31, 2014
Currency Exchange Loss:
Dec 17, 2014