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Khim is a 30-year-old farmer from Dongkor commune, Phnom Penh city. He is married and lives with his wife and a lovely young child. The main source of income for the family is from construction and garment work. He has worked in the construction field for almost ten years, while his wife is a sewing staff person. This couple have tried hard in their physical work to make earnings for the family. Typically, Khim is able generate approximately USD 5.00 per day.

Khim requested credit from Kiva, through HKL, to purchase window frames and zinc to have his house constructed. Khim is very grateful for the funds that will enable his family to be in a comfortable house.

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
  • 199
    View loans »
    Cambodia Loans Fundraising
  • $39,862,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Khim to purchase window frames and zinc to have his house constructed.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 15, 2012
Mar 17, 2012
Currency Exchange Loss:
May 25, 2013