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Mrs. Phai Y., age 51, makes a living by selling vegetables. She became a vegetable trader in 2000 and sells the vegetables both retail and wholesale. She goes to buy them in bulk at a reasonable price from the rural farmers. She currently earns an average of US$4 a day, and has been running her business for several years. Her husband is 51 years old and is a construction employee who works around the community.

Phai Y. is the mother of four teenage kids, who are no longer in school. All of her children are working at various occupations, and they each contribute some of their incomes to help the family meet its daily expenses.

Phai Y. faces a big obstacle: her house is cracking since the heavy rainy season started, and the family’s living conditions are often bad. She hopes to resolve this problem by asking for a loan to use towards repairing her old 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
  • 84
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Phai to use towards repairing her old house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 14, 2010
Jul 5, 2010
Currency Exchange Loss:
Nov 15, 2011