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Mrs. So is 39 years old and a security guard who works for a private company in Phnom Penh City. She works eight hours per day and has only a day off within a week. She lives in Dongkor district with her husband, a construction worker, and three children.

Currently Mrs. So has saved some money because she wants to build a fence around her house. However, her funds are insufficient for this. Therefore, she would like to seek a loan from HKL to add to her existing capital so she can build a fence in order to protect her home.

In the future, Mrs. So hopes to own a construction supplies store. She will try to work hard to provide her children with further education.

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
  • 55
    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 $500 helped So to add to her existing capital to build a fence in order to protect her home.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 23, 2011
Jan 17, 2012
Currency Exchange Loss:
Aug 15, 2012