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Ven is a 51-year-old woman, living in the Bakan district of Pursat province. She is in a common-law relationship to her husband, and they are in business together, farming rice for their daily sustenance. She learned farm work from her parents, from the time she was a little girl. Thanks to them and her experience, she is able to earn income to support her nuclear family, which is comprised of 10 members.

At the moment, her home has no bathroom. So she is requesting a loan to build a bathroom, to fulfill her family’s hygiene need. This loan will improve her general living conditions, promote the family's health, and help to lessen environmental deterioration. She is grateful for the loan that has been granted by HKL, which has a much lower interest rate than is usual for this kind of loan product.

Additional Information

More information about this loan

This loan is part of HKL's new water and sanitation loan program designed to help improve living standards of poor and low-income people living in Cambodia. Loans under the program are directed at various products that help improve access to clean water and improved sanitation facilities including loans for water tanks, filters, wells, distribution, and latrines. These loans help to reduce rates of waterborne disease, improve health, and increase economic outcomes for poor families. HKL has designed this social loan product to feature a lower rate than typical.

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
  • 126
    View loans »
    Cambodia Loans Fundraising
  • $39,835,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Ven to build a bathroom, to fulfill her family’s hygiene need.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 22, 2013
Aug 21, 2013
Currency Exchange Loss:
Aug 17, 2014