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L., 51, is the widowed mother of four children, three of whom are single and the other one is married and lives separateL.. Two of her single daughters are on the staff of a private company that runs a massage center.

L. is famous for making delicious desserts and she has been in this business since 2005. L. is looking for a loan of $1,000 which, with her income and her daughters salaries, will enable her to renovate her house so that it is more comfortable.

L.’s onL. wish is for her children to finish university.

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
  • 209
    View loans »
    Cambodia Loans Fundraising
  • $40,009,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Kem to renovate her house to make it more comfortable.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 13, 2009
Aug 18, 2009
Currency Exchange Loss:
Aug 16, 2010