The person who wears the red-shirt in the photo is L., age 40. She lives in Phnom Penh City, Cambodia. She has built a small salon shop in front of her house where she sells a few ladies’ beauty salon products to neighbors in the village. She generates an average of $4 profit a day to feed her family. She has three children who are of school age. The other income for the family comes from her husband’s work, driving a truck for a small firm. L. runs her business very well and she hopes to better meet her customer's requirements by using a loan from Kiva to expand the selection of beauty salon items to sell.
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.