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Heng is a resident living in Baray district, Kompong Tom province, Cambodia. She is 52 years old, widowed, and has four children. She manages a farming business, growing annual rice crops to provide enough sustenance for the family. Aside from agriculture, Heng also operates a grocery store from a rented booth situated in a local market of the province. She serves breakfast, lunch and soft drinks to her customers, earning USD 5 per day on average. Her daughter serves her as her motivation in this retail business.

Heng wants to upgrade her living standard through her hard work and perseverance. To provide her children a healthy living, Heng decided to take out an additional capital of USD 500 to purchase construction supplies such as cements, bricks, and iron construction rods, which will be used to build a bath room and toilet for home use. This will provide her family with a comfortable living status. For her business goal, she wants to owns a grocery store and expand it gradually to satisfy her customers.

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
  • 110
    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 $500 helped Heng to purchase construction supplies such as cement, bricks, and iron construction rods, which will be used to build a bathroom and toilet for home use.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 20, 2012
Jul 22, 2012
Currency Exchange Loss:
Jun 26, 2013