Mrs. Ngoem is a 41-year-old married woman and mother. She lives with other family members in her own small family home in the Prey Chor district of Kompong Cham Province. She owns a piece of land that she inherited from her grandmother and she always uses this land to plant different kinds of crops at least twice a year. Her husband assists with the crop-planting business. In addition, Mrs. Ngoem occasionally goes around her village to buy some used goods and sell them to her regular wholesaler for a profit. The couple is married and has seven children. One of the children is single and the other six children are married. As her present saving is not enough to plant her crops, Mrs. Ngoem would like a loan to buy a sack fertilizer, seeds and other farming material to support her in the farming business.
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.