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Sangam is 53 years old and married with six children, three of whom are married and the rest are enrolled in school. Sangam is a farmer who learned to work in agriculture from her parents when she was very young. Her husband is in the same business, farming rice alongside her on more than one hectare of farmland in Pursat province. Having been in the business for years, Sangam is able to earn a normal income of $5.00 per day, which goes for meals, home bills and school allowances for her children.

Currently, Sangam’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 regard, she would like to acquire a loan in the sum of 1,000 US dollars to build a household latrine and buy its accessories. 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, 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
  • 146
    View loans »
    Cambodia Loans Fundraising
  • $41,485,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sangam to build a household latrine and buy its accessories.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 28, 2013
Nov 29, 2013
Currency Exchange Loss:
Sep 17, 2014