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Khem is sixty-one and a married woman who has been blessed with four children, living together with her family in Kompong Speu province. She was born and grew up there on a family farm. Therefore, she has learned how to cultivate rice from her ancestors. Her spouse also works in this business, from which they can make a suitable income to live on.

Since her house has become too old and there are some broken parts which need to be repaired, this family does not feel comfortable living there anymore. For this reason, Khem is taking out a loan from HKL to supplement her capital to renovate her house. She hopes that our lenders won’t reject her first loan and she is very grateful for your generosity and kindness.

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
  • 169
    View loans »
    Cambodia Loans Fundraising
  • $41,456,250
    Funds lent in using Kiva
  • 4,008.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Khem to supplement her capital to renovate her old house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 17, 2012
Apr 2, 2012
Currency Exchange Loss:
Mar 21, 2013