Hem P., 27, is a humble villager who lives in Reusey Keo commune, in Phnom Penh city. She works as a teacher at the local public school and typically earns a salary of $120 a month to help provide her family’s food needs. She is a single woman and currently lives with her young sister, who works as a Civil Service officer for a ministry.
Hem P. has been planning to operate a café business for years, but she doesn’t have enough money to start it. That is why she is requesting a loan from Kiva through HKL. She will be use her loan to build a shop in front of her home where she will operate a café.
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.