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Hem S. is 30 years old and has been selling fresh fish in the local market for more than two years. She sells fish that she buys in bulk from her wholesale supplier and other fishermen. Hem S. is married to Shorn Kimsean, 28, who owns a shop where he provides a glass decorating service. This couple has three children who attend school and help their parents with their work when they are free from studying. Their small family house is getting old and frequently needs repairs. Hem S. has been planning to build a new house to live in, but her savings are insufficient to start construction. Therefore, Hem S. decided to seek a loan to be used to start building a new 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
  • $41,825,550
    Funds lent in using Kiva
  • 4,225.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Hem to start building a new house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 9, 2010
Sep 12, 2010
Currency Exchange Loss:
Feb 15, 2012