Yim N. has been in farming for a long time. She lives in the province of Kompong Cham. Yim N. grows a rice crop, from which she earns a regular income. She is a 55-year-old widowed mother who has given birth to four children: one works in a garment factory as a seamstress and has a regular salary. In the past, Yim N. has always hired the neighbor’s cow to plow the farmland. Now she hopes to buy her own cow and that is why she is applying for a loan from Kiva.
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.