Lay T., 35, has been working as a policeman since 2005, and has a proper salary very month. (Lay T. was not available the day of the photo, so his wife is in the photo instead.) Lay T. can earn a living by working this position for approximately of $6.50 per day. He has a life partner in his wife, who is a garment worker. The couple has three children; all of them are single and living under their roof. Currently, Lay T. wishes to open a new business selling breakfast and coffee in front their house in order to make more income to ensure their family living is a comfortable life. But his account savings is not enough to make that possible. So, he would request a loan to open a coffee and breakfast shop for additional profit.
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.