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Tob is a 26-year-old married woman who lives in Kampot province with her spouse and two young kids. She is a proud farmer who cultivates rice on about a one hectare and a half of farmland, generating approximately 6,000 KHR each day. She has been in this business, along with her supportive husband, for more than 10 years. This couple has two dependent children who are currently attending a local school.

At the moment, Tob has hired construction laborers to get her house constructed, but she has insufficient money to purchase construction supplies such as cement, brick, and sand. With the help of the loan, Tob hopes to have a suitable house for her family where they can live happily and be sufficiently protected from the weather. Tob promises to pay her loan back punctually so that she can have another loan to support her business later.

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
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • 4,070.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Tob to purchase construction supplies such as cement, brick, and sand.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 25, 2012
Sep 2, 2012
Currency Exchange Loss:
Sep 17, 2013