Mrs. Som T. is a 38 year old garment worker who lives in Phnom Penh. Som T. is married with two teenage children, while her husband, Say Chea, aged 38, is a local ox trader. He also buys oxen at reasonable prices from the rural people and fattens them for a while before selling for a profit. Currently, this couple owns a plot of land which they use for farming work. Som T. hopes to generate extra income by borrowing a loan to purchase watermelon seeds, and fertilizer, to grow on her farmland. Note: Som T. was not available for photographing, so her husband is pictured instead.
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.