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Mrs. Morm P., 56, is married to Som Rith, 62 years old, and they were given birth to eight children. Four of them are single and other four are married and have already started new homes. Morm P. has built a few rooms which she rents them out to garment workers for fee. In addition, she sells a little snack food in front of her home for her villagers, while her husband is a civil seven officer who has been retired for years. Morm P. is applying for a loan in order to build more rooms for renting.

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
  • 172
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Morm to build more rooms for renting.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 30, 2009
Oct 5, 2009
Currency Exchange Loss:
Oct 16, 2010