Pen, 26 years old, is a humble villager living in Phnom Penh, the capital of Cambodia. She is married and blessed with four children, while her husband is a construction worker. Pen sells lotus flowers which she either grows or buys in bulk from her supplier. Her husband always picks up the flowers for her before he goes to work. The family normally earns an average of $6 per day to help cover their family’s daily living expenses. To meet the needs of her family, Pen is applying for a loan with which she will buy some piglets for breeding so she can sell them when they are grown.
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.