Vorn N. is a 53-year-old woman and a local villager living in a medium-sized home with family members in Kompong Tom Province. She owns a piece of farmland that she inherited many years ago from her grandparents who died of senility. She uses this land to raise crops and a few pigs. Vorn N. is a mother blessed with five children. Two of them are already married and live away from home, while the remaining three are unmarried. Almost all of the children are employed. As another source of family income, Vorn N.’s husband sells firewood that he buys from the forest. To help alleviate the hard physical labor of the business activities, Vorn N. is seeking a loan to purchase a pair of water buffalo that she will use to plow the farmland and carry the firewood from the forest.
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.