Mrs. Vanny N. (pictured above), 39, and her husband, Mr. Sithy Chham, 40, have been married since 1989 and have five children: four sons and one daughter. Two of them are garment factory workers, one attends school, and other two are still young. Besides her children, she also has her niece, who is a tailor, living with her. They live in a small village along national road number four about 20 kilometers from Phnom Penh City.
Vanny has been operating a business renting a space in her house for three years. Her husband has been a motor taxi driver for sixteen years. She is applying for her first loan in the amount of $1,000 to purchase a motorcycle for her children to drive to work.
MAXIMA Mikroheranhvatho is a Cambodian microfinance institution founded in 2000 to help low-income rural and urban people and small- to medium-sized businesses (SMEs) access financial services. Sustainable access to credit helps to create jobs and enables business owners improve their living conditions, educate their children, provide health care to their families, and more. It also enables the rural poor to remain at home with their families, rather than moving to city centers in search of employment.