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Sinat, aged 65, is a humble man and a rice grower from Chum Kiri district, Kampot province. He owns and operates farmland, planting and harvesting rice to sell to earn a living, and has the support from his wife and children. He has been in this field for more than 20 years, and earns well for the family.

Thanks to Hattha Kaksekar's new water loan program with a special rate, Sinat is encouraged to focus on ensuring healthy living conditions, safeguarding his family's health and protecting the environment. He will use the loan he's applying for to build a hygienic latrine and septic tank to improve his household sanitation practices for the sake of his family. This will be his first loan and he commits to repay it back on time.

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
  • 137
    View loans »
    Cambodia Loans Fundraising
  • $41,481,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Sinat to build a hygienic latrine and septic tank to improve his household sanitation practices for the sake of his family.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 29, 2014
May 30, 2014
Currency Exchange Loss:
Jun 18, 2015