Gnien S. is a 51-year-old married woman and a local villager living in a medium-sized home with family members in Kompong Cham Province. She owns a piece of farmland that she inherited many years ago from her grandparents. She uses this land to plants rice crops. Her husband is a carpenter who is good at building wooden houses. He earns a profit of approximately $1.50 a day to share responsibility with Gnien S. for the entire family’s expenses. Gnien S. is looking for a loan to buy fertilizers and purchase an ox because her old ox can't support her farm work.
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.