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Chhoy, aged 54, is married and has four children. He has been working in agriculture to earn a living. Chhoy primarily grows rice on almost two hectares of farmland in Pursat province. With help from his wife, Chhoy is able to make approximately 8.33 USD per day, which he uses for his daily meals, home bills and other costs.

With the purpose of aiming to improve the family’s living conditions, Chhoy is asking for a loan to build a bathroom for the household. The water loan program offered by HKL with a special interest rate has helped to encourage Chhoy to focus on ensuring healthy living conditions to safeguard the health of his 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
  • 92
    View loans »
    Cambodia Loans Fundraising
  • $41,820,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Chhoy to build a bathroom for the household.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 6, 2013
Dec 8, 2013
Currency Exchange Loss:
Sep 17, 2015