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Noem is a 50-year-old married woman, who has been living in a small village, a suburban area of Phnom Penh city. She is in a common law relationship with her husband, who is a security guard working for a private company in the city. Noem owns a few pieces of land, on which she grows rice and vegetables two seasons of the year. She has been in this business for almost 19 years. She has eight children, four of whom are married, and the other four are single, living with her under the same roof.

In order to renovate her house and make it more comfortable, Noem decided to take out a loan of USD800 to buy the construction materials needed for fixing her house and building a toilet. This loan will change her living conditions and provide her family with happiness. Noem told us that she will strive to work harder to create more opportunities for the future education of her children.

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
  • 142
    View loans »
    Cambodia Loans Fundraising
  • $41,468,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Noem to buy the construction materials needed for fixing her house and building a toilet.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 16, 2012
Jun 17, 2012
Currency Exchange Loss:
Oct 15, 2012