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Morm S. is 46 years old and lives Phnom Penh City. She is a Khmer noodle seller. This business provides her approximately $5 a day in revenue. She has a life partner in her husband, who works a policeman at the Ministry of Interior. He has a formal salary every month and uses it to assist her in providing for the family’s needs.

This couple has four children, who are all single and living with them under the same roof. Her existing house is getting old and broken down, and is not comfortable for her and her family to live in. Morm S. wishes to fix it but her savings are insufficient to do so. Morm S. has decided to request a loan from Kiva to repair 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
  • 62
    View loans »
    Cambodia Loans Fundraising
  • $41,788,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Morm to repair house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 9, 2010
Jan 1, 2011
Currency Exchange Loss:
Dec 17, 2011