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The young woman in the photograph is Chom Y., age 36. Chom lives in the province of Kompong Cham, which is the best territory for farming. Chom Y. is a married woman who is devoted to her husband. She has three children who are employed in various jobs. They always contribute their profit to Chom Y. so that she can use it for daily expenses. Chom Y. is not comfortable because her house often needs to be repaired. She would like a loan to buy wood for mending her old house. She will use the remainder of the loan along with her savings to buy a secondhand motorcycle for her employed children so they can ride it to where they work.

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
  • 84
    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 $1,000 helped Chom to buy wood for home repairs and to buy a used motorcycle for her children to ride to work.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 14, 2011
Feb 12, 2011
Currency Exchange Loss:
Apr 17, 2011