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Shin H. is a 49-year-old married woman who has been cultivating rice on her own farmland for years. Besides farming, she also sells fresh fish that she buys from her suppliers at a reasonable price and then she takes them to sell at the local market. She can make a profit of about $2 per day to use for daily expenses.

Her husband earns a living as a building worker and generates revenue of approximately $4 a day.

The couple has given a birth to six children. Three are single, and now they are employed in different jobs. The other three are married and live in their own homes.

Shin H. says that her house is in the process of being built and it has not been finished because of insufficient cash. To solve this problem, Shin H. has decided to request a loan to buy wood to complete the building.

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
  • 53
    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 $800 helped Shin to buy wood to complete her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 10, 2011
Feb 7, 2011
Currency Exchange Loss:
Nov 15, 2011