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Phat is a local rice farmer from Kompong Speu province. She is married and lives there with her family: her husband and two children. Phat, together with her spouse, heads the family's agricultural business. She grows rice crops on the family-owned plot of land. From this type of business, she is able to earn suitable income to cover her daily expenses.

Phat requested credit to purchase to purchase construction supplies to start to rebuild and renovate her house. She will buy in particular boards to replace her walls, windows and a ladder to get up to her house. In the future, Phat will upgrade the method she has applied for her farming work. She wishes to buy different kinds of farming materials like a water pump, a plowing machine and a rice husking machine as well.

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
  • 48
    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 $1,500 helped Phat to purchase construction supplies to start to rebuild and renovate her house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 15, 2012
Mar 18, 2012
Currency Exchange Loss:
Apr 19, 2013