Mrs. Ray E. (pictured above) and her husband, Mr. Phat Sam, have been married since 1985 and have four children- three sons and one daughter. One has full-time employment, two assist their parents in farming and another one is in school. The family lives on an island in the Mekong River about 15 kilometers from Phnom Penh.
Mrs. Ray E. and her husband are farmers. The couple has previously requested a Kiva loan. Ray is now asking for her second loan of 1,000 USD to pay for planting fees and to purchase fertilizer, seeds and pesticides to maintain her farm. They hope to continue doing farming because it is their main business.
MAXIMA Mikroheranhvatho is a Cambodian microfinance institution founded in 2000 to help low-income rural and urban people and small- to medium-sized businesses (SMEs) access financial services. Sustainable access to credit helps to create jobs and enables business owners improve their living conditions, educate their children, provide health care to their families, and more. It also enables the rural poor to remain at home with their families, rather than moving to city centers in search of employment.