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Hem is 44 years old and lives in Kampong Chhnang province. He works hard in the construction industry to raise his three children who are currently attending school. Hem always wishes to provide his family with comfortable living conditions through his hard work in the construction field as well as in the rice field, helping his wife manage their farm. Hem has been active in these businesses for seven years.

Recently, Hem and his team are constructing his house, yet Hem doesn’t have enough capital to purchase necessary supplies for the construction. For this reason, he is applying for a loan of 1,200 USD to purchase construction supplies and also pay for labor fees. He hopes that in the near future, he and his family will have a suitable house to live in. He is happy because he can help his children with their living needs and be a good father.

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
  • 200
    View loans »
    Cambodia Loans Fundraising
  • $39,862,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Hem to purchase construction supplies needed for building his own house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 13, 2012
Oct 1, 2012
Currency Exchange Loss:
Sep 17, 2014