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Sem is 34 years old, married and a loving father of a child who is attending the local primary school. Sem is skillful in sculpting statues for sale. He usually makes them by taking orders from his customers. He normally earns a net income of $6 per day as estimated by the credit agent. He has been in this occupation for nearly 7 years.

Sem plans to build a house for his own family members, but he needs to buy more building materials such as floorboards and wooden windows to install into his house. Because he has insufficient capital, he has requested a loan of 1,000 US dollars from HKL. He will pay off this loan with the income and earnings that he generates from his business. His dream is to finish building his home so that he can improve his family's 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
  • 138
    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 $1,000 helped Sem to buy floorboards and wooden windows to install into his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 17, 2013
Oct 23, 2013
Currency Exchange Loss:
Apr 16, 2014