Roeun S., 35, lives in Pursat Province, Cambodia, where she owns a plot of farmland for growing crops. Her husband (pictured here)helps her with the farm work, and he also buys oxen from the people who live in rural area to fatten them a while in his house and then sell to make a profit. The couple now lives with three children who are still single. The family doesn't have enough money to equip the village’s cultivating machine in order to support their farm work. In view of the problem, Roeun S. has decided to seek a loan from Kiva’s partner HKL. She will use 20% of the loan to buy fertilizers to grow crops.
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.