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This is Oun, a humble farmer living in Kampong Cham province. She is a 45-year-old married woman and a loving mother of four adult children. She cultivates rice on a few pieces of land to generate a livelihood. Having been in this business for 13 years, she has developed her plantations gradually and tried to make them more feasible and profitable.

Oun and her family live in an old house which is in bad condition; it needs a lot of repairs. Therefore, she has requested a loan which allows her to make some home improvements. This loan will help her to buy construction materials and pay for the labor. From this loan, she will be able to cover the construction costs and provide a suitable home to her family members as soon as possible. This will give them better living conditions.

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
  • 48
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,066.7
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Oun to make some home improvements.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 16, 2013
Sep 1, 2013
Currency Exchange Loss:
May 17, 2014