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Mr. K., age 57, makes a living driving a taxi motorcycle, picking up his passengers in and around his community. He is currently earning an average of $3 a day and has been running his service for a long time. He is a father of four children. Three of the children are teenagers and one is married and has started a new family home. Most of his children are employed. His wife, Sokha, works sewing for a garment industry. She is also a good housewife who cooks delicious meals and does a daily routine. K. currently lives in his own house that needs repairs. Because of that, K. has requested a loan to mend his 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
  • 79
    View loans »
    Cambodia Loans Fundraising
  • $41,806,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ngem to mend his old house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 17, 2010
Sep 28, 2010
Currency Exchange Loss:
Dec 17, 2011