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Yoem is a motor driver in and around Siem Reap Province. He has over five years experience in this occupation, and he can generate an income on average of US $4 per day to use for the expenses of his family. Yoem also has another financial earner. His wife sells merchandise in her community. They are blessed with six children. Most of them are students in the local school.

Yoem now has a problem with their living conditions and he wishes to dig new posts for his house, but he lacks money. That is why Yoem would like to apply for a loan of $1,000 from Kiva through HKL.

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
  • 64
    View loans »
    Cambodia Loans Fundraising
  • $41,769,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Yoem to dig new posts for his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 6, 2011
Jun 6, 2011
Currency Exchange Loss:
Jan 16, 2012