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Sarim is 30 years old, a farmer, housewife, and mother of two unmarried children who live with her and her husband in Bakan district, Pursat province. They raise and educate their children with farming activities, growing and harvesting rice to sell in her region. Having been in the business for years, they are able to generate enough to provide for their children’s basic needs.

As of now, Sarim would like to help her family to be healthy and improve their living conditions, so she has requested a loan in the amount of 1,000 US dollars to build a latrine and buy some accessories. This will increase the value of her house and maintain their health in good conditions. She is very grateful for the loan granted through Kiva via its partner, HKL, which provided clients with much lower interest rate that its general products.

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
  • 162
    View loans »
    Cambodia Loans Fundraising
  • $41,452,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sarim to buy a latrine for her household in order to maintain their health in good conditions.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 27, 2013
Currency Exchange Loss:
Jan 17, 2014