Mr. Pen N. is a 56-year-old married man. To earn a living, he sells firewood around his community, which he collects from the forest by attaching a cart to his two cows. His wife also earns income for the family by raising and selling pigs and crops. The couple now have six children, three of whom are married, and three of whom are still single. To help be responsible for the family, four of the children are employed in various jobs.
In the past, Pen N. hired villagers’ animals to help pick up his firewood. He hopes to eliminate this expense, and to that end is applying for a loan in order to buy a couple of water buffalo that he will use to pick up his firewood. (Pen N. was busy at a business activity when this photo was taken, so his wife is pictured instead.)
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.