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Chana is a hardworking woman and a mother of a small child, living with her family in Preah Sdach district, Prey Veng province. Like the other villagers, Chana is in an agricultural culture, primarily growing rice to sell. The income generated from farming is barely enough to satisfy their daily needs, so Chana also runs a small tailoring shop in the village to earn additional income.

Currently, Chana’s family doesn't have a safe latrine for use at home, so she wants to improve their sanitation and personal hygiene. In this particular way, she has requested a loan of 1,300 US dollars to build a household latrine. Thanks to the water loan program offered by HKL and Kiva with a special interest rate, she is encouraged to focus on healthy living conditions, safeguard the health of her family and protect the environment.

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
  • 140
    View loans »
    Cambodia Loans Fundraising
  • $41,469,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Chana to build a latrine to improve sanitation for the household.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Nov 11, 2013
Currency Exchange Loss:
Jul 17, 2015