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Pao R. has been in the farming business for a long time. She plants rice crops on her own farmland which she inherited from her grandmother. In addition to the farming business, she is also employed at private organization for extra income. She has a partner in her husband, who earns income from cultivating rice crops and from his employment as a construction worker. This couple has two children, who are sewing workers in the garment industry in Phnom Penh City.

Pao R. recently finished building her house. Presently, it is the time to pay for the construction cost. However, her personal savings are insufficient to make this possible. In order to deal with this situation, she is applying for a loan from Kiva to add to her savings to pay for the construction cost.

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
  • 107
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,040.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Pao to pay for construction cost of home.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 30, 2010
Feb 1, 2011
Currency Exchange Loss:
Jun 15, 2011