Mr. S. is a 27-year-old married man and a resident of Kompong Thmor, which is a commune in Kompong Tom Province. He is married to Sophy, 27, and they have been blessed with two young kids. Neither of the kids is enrolled in school. His wife, who appears in the photo here, raises a few pigs in a stall next to their house to earn a living. In order to make a living, S. earns money from fishing and selling chop-wood. Currently, S. does not have adequate cash to support his family. He has been planning to invest in a new trade for years but his plan has not been successful because he doesn’t have money. Therefore, S. looks for a loan as capital to purchase entertainment instruments that he will use to provide a service to earn extra income.
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.