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Mrs. Say, 39, is a married woman who resides in Ornlong Veng, Siem Reap province. She earns a living by operating 2 businesses: farming and owning a general store. She has been engaged in these businesses since 2007. Normally she earns a profit of $4USD a day to cover the household expenses and support her children’s education. She has 3 children who are living under her care and income.

Say intends to expand and fix her house this year. With a Kiva loan in the sum of 4,000,000 KHR, she’ll use it to buy housing materials and also spend on payment for a laborer harvesting their rice. In the future, she plans to save money to expand her selling business and insure a brighter future for her family.

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
  • 125
    View loans »
    Cambodia Loans Fundraising
  • $39,835,450
    Funds lent in using Kiva
  • 4,080.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Say to buy housing materials and also spend on payment for a laborer harvesting their rice.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 13, 2011
Nov 3, 2011
Currency Exchange Loss:
Jul 15, 2012