Mr. S., a middle-aged man, is highly skilled at building stone and wooden houses. He has a few physical laborers to help provide his service. He receives a lot of orders from his clients to construct their houses. He has another partner in his wife, who appears in the picture above. She sells vegetables to people who come to buy anything in the market.
S. has three children, one of whom is married and lives independently. The other two are single and work in the garment factory. Mr. S. has been paying money for taxis to get to work because he doesn't own a vehicle. To solve this problem, he is applying for a loan to purchase a new motorcycle, which will allow him to commute to his work location.
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.