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Chhan depends on subsistence fishing to feed his family, which includes three dependent children. His business is located on the Tonle Sap River. Every day, there are many boats on the river waiting to take their catches to the markets and for processing. The peak season of fishing lasts four months every year, from November to February. Chhan usually earns $5 per day and uses it as revolving capital for bills at home, meals, and school allowances for his children. His wife helps him cover their expenses by working eight hours in a local garment factory.

This couple strives to work and save money to build a suitable house for their children. Due to a lack of funds for construction, Chhan has applied for a loan to buy materials for his house and to hire laborers to perform the construction.

He and his family hope to live in his new house with happiness after its completion. Although this is his first loan through Hattha Kaksekar Limited. Chhan is confident that he can pay back the loan in full over the period stated in his repayment schedule.

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
  • 74
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Chhan to buy materials for his house and hire laborers to perform the construction.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Apr 25, 2013
May 11, 2013
Currency Exchange Loss:
Jul 17, 2014