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A medium-sized wooden house located in Kompong Cham Province belongs to Mrs. Chhem C., age 34, who has been establishing a family with the other family members. She is married with five children who are single, while her husband is a domestic construction worker. She currently earns a living as a local farmer, growing all kinds of vegetables in the village.

The family is facing difficulty with the roof of their house that frequently is cracking during the rainy season. Because of the seasonable problem, Chhem C. is looking for a loan on Kiva to buy zinc to cover their roof. The rest of the loan she will use for her farming business.

Additional Information

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
  • 79
    View loans »
    Cambodia Loans Fundraising
  • $41,825,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Chhem to buy zinc to cover their roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 19, 2009
May 22, 2009
Currency Exchange Loss:
Jun 24, 2010