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Hem is a resident living in Reussey Keo district, Phnom Penh. She is 37 years old and a mother of two daughters, both of whom are employed in a garment factory to help the family. Hem owns a grocery store where she offers breakfast and lunch to her customers, garment factory workers. From this business, she is able to make approximately USD 6.00 per day for her household expenses.

She would like to take out this loan to purchase construction supplies and pay for the construction fees to fix her house. Through this, Hem’s family will have a comfortable house that can protect her family from the bad impact of the weather. She is very happy and hopes that the fund will be given to her to renovate and fix her house. She is confident that she will be able to pay her loan back punctually as scheduled.

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
  • 157
    View loans »
    Cambodia Loans Fundraising
  • $41,452,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Hem to purchase construction supplies and pay for the construction fees to improve her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 5, 2012
Jul 9, 2012
Currency Exchange Loss:
Jun 26, 2013