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Sem is 44 years old and lives with her husband and five children in her own house in the Prey Chor district. Her oldest child got married and settled down with a new family. Sem works in agriculture, especially raising rice crops in her paddy fields that are close to her house. She learned this work from her parents. She started doing her own business once she got married to her husband, who is skilled in playing traditional Khmer musical instruments at wedding parties.

This loan, requested through the HKL branch office, is for the purchase of construction supplies for her kitchen. This way, Sem will be able to have her house and kitchen completely finished on time to protect the family from adverse weather conditions. With a positive outlook in life, Sem believes that the loan will definitely help her develop a better living standard.

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
  • 3,984.6
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Sem to purchase construction supplies for her kitchen.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 10, 2013
May 25, 2013
Currency Exchange Loss:
Apr 17, 2015