Em S., who is twenty-six years old, owns and operates a shop out of her home where she sells a variety of items. She sells cooking ingredients, soft drinks, and some beauty supplies to neighbors who live near her house. She usually generates an income of $5 a day, which helps with her family’s needs, especially feeding her three teenage children who are in school. Her husband stays at home to help conduct her business operations. Em is handling her investment very well. Recently, some of her inventory was exhausted, so she needs to restock. She is requesting a loan from HKL, one of Kiva's field partners, to purchase soft drinks, sweets for kids, and beauty supplies.
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.