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Saroeun is 47 years of age and widowed. She has three children living with her in Prey Kabbas district, Takeo province.

To be able to fulfill her family’s needs, Saroeun is involved in the cultivation of rice on her own farmland of one hectare. She sells the agricultural products in the local market. Saroeun’s daughter helps her earn the income by weaving women’s skirts made of fine silk with gold and silver decorations.

Currently, Saroeun’s family doesn't have a safe latrine for use at home, so she wants to build one to improve their sanitation and personal hygiene. In this particular way, she has requested a loan of USD 1,500 to build a household latrine and buy its accessories.

The water loan program offered by HKL and Kiva with a special interest rate has encouraged her to focus on healthy living conditions, safeguarding the health of her family and protecting 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
  • 211
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Saroeun to build a household latrine and buy its accessories.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 17, 2013
Nov 14, 2013
Currency Exchange Loss:
Oct 17, 2015