Mrs. N., 48, is a humble woman who currently lives with other family members in Phnom Penh, the capital of Cambodia. She is married with four children. Two of her sons are employed: one is a taxi driver and the other works in Malaysia. The remaining two children are going to school.
Her husband helps to support the family by driving a motor taxi (he appears in the photo.) N. is a requirement laborer. She gets many pieces of cloth from the garment industry and she prepares them as sets of each size for a fee (the cloth is used to upholster furniture.)
N. has a son who is jobless and she proposes to encourage him to learn the skill of repairing mobile phones, but he is unable to pay the school fee. Because N. has no money, she decided to ask for a loan of $1200 which will allow her to both pay the school fee and to buy a computer for her school-aged children.
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.