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Mrs. S. is a young, married mother blessed with a small child whom she cares for as the child does not yet attend school. To help with the family’s living expenses, S. works as a waitress in a pizza company located in the middle of Siem Reap province. She has been receiving a suitable salary to resolve the family's financial problems. As his responsibility for the family's daily living expenses, S.’s husband is an internal staff member in a private ministry of education. S. will be using her first loan to construct a hedge to surround her house to protect the property; the rest of the loan will buy material to decorate her house.

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
  • 113
    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 Noeub to construct a hedge to surround her house to protect the property.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 26, 2010
May 7, 2010
Currency Exchange Loss:
Jan 19, 2011