Mrs. Lang N. is 39 years old and a resident of a rural area near the city of Phnom Penh where she has owned a plot of land since she was single. She grows rice crops, which she plants twice a year. In addition, she assists her husband in producing cement jars for extra profit. She is married with five children, all five of whom are going to school. Her husband is a jar maker. In the past, Lang N. hired a cow to plow her farmland and right now she wants to own cows so she can reduce the hiring expense. Because of this reason, Lang N. requested a loan to purchase a couple of cows.
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.