Mrs. Yay K. is a modest person living in Kampong Chhnang, where she has been earning a living as a farmer, raising a few chickens and crops. She is married with four school-aged kids. She has a life partner in her husband who works as a community medical doctor in the hospital. Yay K. says that she has always hired a farmer’s cow to help plow her farmland where she uses to grow crops every year. She hopes to reduce the hiring fees by requesting a loan to buy a pair of cows which she can use to plow her farmland and to raise for offspring as well.
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.