A wooden house located in Banteay Meanchey Province belongs to Mrs. S. and the other four family members. She uses an old bicycle to transport vegetables to the local market to sell. She can make an income of $3 a day to feed her three teenage children who are studying in the local public school. Her husband Pak, age 39, works as a local farmer. Recently, S.'s business is not running smoothly because her bicycle often breaks down and she can't earn much income. To solve the problem, she needs a loan of $600. With the loan plus her savings, she can buy a motorcycle so she can use it for business transportation.
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.