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To be successful in her career and in life are the goals of Om, a married woman with two children. Om is 34 years old, and she works as a rice farmer in Kampong Cham province. Despite her financial constraints, she is determined to improve her standard of living and give her children a bright future. Her husband, in addition to supporting her farming activities, works as a construction laborer to earn a daily wage.

Om and her husband aim to build their own home and to provide their children with good living conditions. Due to insufficient capital, she has requested a loan of US $1,500 to buy the materials needed for the construction of a suitable home for the family. Om thanks Kiva lenders for their constant support.

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
  • 140
    View loans »
    Cambodia Loans Fundraising
  • $39,838,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Om to buy materials needed for the construction of her home.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 22, 2013
Sep 29, 2013
Currency Exchange Loss:
Sep 17, 2014