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This is a 51-year-old woman and a resident from a peaceful village of Santuk district, Kampong Thom province. Her name is Thoeun. She's married with three grown-up children, two of whom who are studying at universities. Thoeun and her husband are working as farmers with a lot of agricultural activities, including growing rice, cassavas, and breeding poultry. She has been in this field for almost 30 years.

She is now asking for a loan, which enables her to build a household latrine to improve their general living conditions. The water loan program, offered by HKL with a special interest rate, has helped to encourage Thoeun to focus on ensuring healthy living conditions to safeguard the health of her family and protect the environment. She is very thankful to all lenders for their generous funds.

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
  • 206
    View loans »
    Cambodia Loans Fundraising
  • $39,926,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Thoeun to build a household latrine to improve their general living conditions.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 28, 2013
Dec 29, 2013
Currency Exchange Loss:
Nov 17, 2014