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San, aged 53, lives with her spouse and children in her own home in the Kien Svay district of Kandal province. She has been involved in agriculture, an occupation she learned from her parents, for more than 20 years, and wants to continue although it is difficult work requiring a lot of power. However, she wants something different for her children and so strives to support them in school to help them earn a bachelor's degree.

San has applied for a loan to buy materials for building a bathroom. She hopes this loan will enable her family to have good health and a better living standard. She is very happy and thankful because HKL is providing her with a lower interest rate than its standard rate. She awaits your kindness and your generosity.

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
  • 159
    View loans »
    Cambodia Loans Fundraising
  • $41,502,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped San to buy materials for building a bathroom.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 22, 2013
Sep 16, 2013
Currency Exchange Loss:
Sep 17, 2015