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Nos M. works in the garment industry as a sewing worker in Phnom Penh, Cambodia. She is able to earn a profit from this occupation in the amount of about $2.50 each day to use toward the family's daily expenses. Nos M.’s husband works as a casual construction worker who spends at least eight hours per day in the construction field. They are good parents who try their best to earn money to support their child, who is enrolled in school.

The house in which the family lives is old and in much need of repair, particularly since they have lived in this house for many years without the ability to make necessary repairs. Nos M. wishes to make these repairs, but she does not have enough in savings to make it possible. For this reason, Nos M. would like to request a Kiva loan.

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
  • 109
    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 $700 helped Nos to make necessary repairs to the family home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 16, 2011
Apr 1, 2011
Currency Exchange Loss:
Dec 17, 2011