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Mrs. Sar S. N., age 26, is a seamstress in the garment industry. Sar S. N. has been engaged in this job since 2005 and has a formal salary. She has a life partner in her husband, who works in the construction field. They have two children and help each other support the family. Neither of the children are enrolled in school.

Sar S. N. is concerned because their house is old and needs basic repairs. With these repairs, the family's living conditions would improve considerably. Sar S. N. would like a loan in order to buy wood materials for repairing the home.

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
  • 81
    View loans »
    Cambodia Loans Fundraising
  • $41,793,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Sar to buy wood materials for repairing the family home.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 21, 2011
Mar 1, 2011
Currency Exchange Loss:
May 15, 2012