Hem S. is a village woman and a widow- her husband died of senility a few years ago. She is a local farmer in Kompong Chhnang Province. She plants various crops to earn a living and typically generates an income of $5 per day. She has three teen-aged children, two of whom are single and a third that is employed in a public organization. Kong S. is able to plant the crops at least twice a year by following both rainy and dry seasons. Growing crops is an annual action with which she has had great success. The coming rainfall is good, however, Hem S. doesn’t have capital yet to use on her farm. So, Hem S. is looking for a loan to use towards purchasing fertilizers and a pump machine.
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.