From Phnom Penh City of Cambodia, Chum N. is a 44 year-old. She is a housewife. She always does her housework as a daily duty, such as cooking, cleaning house, washing clothes, caring for her four kids, and other improvements in and around her house.
She has a life partner in her husband who works in the construction field, earning a profit of approximately $5 each day for paying the whole family's expenses. The couple has four single children, two of whom are working in different jobs, and they often contribute their profits to Chum N. every month.
She says that her two kids always need to hire a taxi to go their working place because they don’t have a vehicle, so she is taking out her loan to buy a motorcycle which will be used by her children to ride to their job location.
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.