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Yin is a 41-year-old farmer living with his family in Kompong Speu province. Rice farming is the primary business and source of income for his family. He grows rice on a few hectares of farmland and he is able to make a decent income to supply the household. However, the income is barely enough to cover his daily costs, so he also works as a paid laborer for additional income. Most of the villagers appreciate his hard work. Yin’s wife opened a tailoring shop in their community to help him in generating a livelihood and uplifting a better standard of living.

Recently, Yin has hired a few laborers to perform the construction in renovating his present house but he has insufficient capital. Therefore, he is applying for a loan in the amount of 1,000 USD to purchase supplies needed for the construction. Yin has nevertaken a loan with HKL before and it will be his first loan. He promises to pay it back in full.

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
  • 176
    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 $1,000 helped Yin to purchase supplies needed for the construction of his home.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Oct 1, 2012
Dec 1, 2012
Currency Exchange Loss:
Oct 17, 2014