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Sann, age 53, is a farmer from Svay Leu district, Siem Reap province. She is married and is a responsible mother of five grown-up children. She makes a living by farming rice with her husband in their village and earns additional income by selling chopped wood. She has been involved in these two businesses for more than 20 years.

This will be her third loan with Hattha Kaksekar Limited and the first loan with Kiva. Sann would like to use the loan for the purchase of a solar home system to install on the top roof of her house, which is located in the off-grid area of the province. After this initial investment, Sann will be able to gain access to clean energy, which is used to support household appliances, such as lights, TV and radio, so everyone in her family can even work or study at night. She is very thankful and is hoping that her requested loan will be granted so that she can improve her living conditions.

Additional Information

More information about this loan

This loan is part of HKL's new green loan program designed to help improve living standards of poor and low-income people living in rural areas of Cambodia by giving them access to clean energy. Solar loans under this program allow poor families living off the grid to invest in solar home systems that can power lights, fans, radios, and mobile phones. HKL also disburses loans for biogas digester plants which allow farmers to convert animal and human waste into biogas that can be used to power clean cookstoves and organic fertilizer for their farms. These loans have numerous economic, health, environmental, and social benefits for families which include saving money and time collecting fuelwood, reducing smoke-borne diseases, and allowing family members to do schoolwork and housework in the evening. HKL has designed these social loan products to feature a lower interest rate than typical Kiva loans.

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 Cambodia

  • $2,600
    Average annual income
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Sann to purchase a solar home system to install on the top roof of her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 17, 2014
Mar 16, 2014
Currency Exchange Loss:
Mar 17, 2015