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Phal is 35 years old and a married man who has two dependent children. He lives in a community in Pursat Province. To earn a living, he and his wife manage a rice farming business which is their sole source of income. So far, they have been in this occupation for almost fourteen years, with an average income of USD $7 a day.

Phal wants to improve the general living conditions of his entire family by building a latrine to use, because there is no latrine in his house now. Therefore, he is borrowing a loan from KIVA to build a latrine and buy its facilities. By doing this, he can help his family members gain access to sanitation, promote their health, and help to lessen environmental deterioration. He is thankful for the loan granted through HKL with a much lower interest rate than other general loan products.

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
  • 53
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Phal to build a latrine.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jul 16, 2014
Aug 21, 2014
Currency Exchange Loss:
Jul 17, 2015