Um S. is a 49 year-old man who lives in the province of Kompong Tom. Um S. sells beds in and around his community. His product is made mostly from wood. Usually, he can earn a daily income of about $5.60 per day. His wife is a local rice farmer who makes a profit of approximately $1.60 each day. The couple has five children: Three are single and the other two are married.
Um S.'s income is low because his motorcycle is too small to carry beds. That is why Um S. has decided to ask for a loan of $1200 to buy a trailer to connect to his motorcycle so that he can use it to transport more beds than before.
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.