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Dam is from the Baray district in Kompong Tom province. He is 44 years old, married, and has four children, three of whom attend school and need daily support.

Dam earns a living by fishing and providing construction services to people around the province. He is expert in constructing wooden houses rather than brick houses. However, he has self-confidence in building both wooden houses and brick houses. Dam has learned to gradually improve his skills and his business while he is operating it. He has been in the two businesses for the past 11 years. Dam’s wife serves as his motivation in helping him to earn household income. She usually goes fishing with him and is also involved in a farming business.

Due to the age of his house, it is in disrepair and suffers from the weather factor each year. Dam would like to repair it by himself with a few members of his team, yet he doesn’t have enough capital to purchase construction supplies. That is why he is asking for a loan of 1,500 USD to purchase wallboard, floorboards, and tiles for re-covering his roof. With the help of this loan, Dam hopes to have a suitable house in which to live and to provide his family with better living conditions.

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
  • 51
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Dam to purchase wallboard, floorboards, and tiles for re-covering his roof.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 11, 2012
Aug 14, 2012
Currency Exchange Loss:
Sep 13, 2012