Mrs. S., 43, is a seller. She sells desserts and fruit to people who are her nearby villagers, in the capital of Phnom Penh. She has been engaged in her business since 2005. She is married and lives with her husband and two children. One of her daughters is now married and works in the garment industry. In addition to her current business, her husband farms crops, which he will sell when they are mature. Mrs. S. will be using her first loan to increase the financial capital of her business. She will use any remaining money from the loan to decorate her shop in order to attract her customers. (Mrs. S.'s husband is in the photo).
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.