Mr. Toch T. is 55 years old and lives in Kompong Tom, a province of Cambodia, located about 200 km from Phnom Penh.
Toch T. owns and uses a motorcycle to pick up passengers around his community for a profit. In addition, his wife (who appears in the photo here) produces cakes and sells them to people in the village. The couple has six children, half of whom are now married and the rest of whom are single. Besides their current work, the family takes time to plant rice crops. Toch T. also has an ox that he uses to provide a breeding service for a fee. Toch T. has seen that this service is very profitable, so he would like to request a loan to buy more oxen to provide this service.
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.