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Mr. Phoem is a married man who lives in the Baray district of Kompong Tom province. He is a father of three children, one is still of school-age while the other two are now married and have started to live in their own homes. Mr. Phoem is a construction worker who works in and around his community. Additionally, he and his wife also earn income from producing and selling Khmer noodles. Mr. Phoem is currently having problems with his house – so many parts are broken and always need to be repaired. Therefore, he would like to seek a Kiva loan to add to his savings to rebuild his house. He is very happy and thanks all lenders who make his loan possible.

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
  • 196
    View loans »
    Cambodia Loans Fundraising
  • $39,989,225
    Funds lent in using Kiva
  • 4,025.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $125 helped Phoem rebuild his house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 21, 2011
Jun 1, 2011
Currency Exchange Loss:
Mar 17, 2012