Mrs. Keo, 43, is humble villager in the Ornlong Veng district and the mother of four children, one of which is married and three of whom are single. Most of the children are employed as internal staff in local hotels and they always share their low incomes with Mrs. Keo so that she can use it for the family expenses. Mrs. Keo and her husband are local farmers who have been planting a variety of crops for a few years. Aside from this farming, she often distills liquor at home in order to make alcohol to sell for extra-income. Mrs. Keo will use part of the loan to mend her plowing machine so that she can use it to plow on her fertile land, and she will use the other part of loan fund to buy fertilizers and seed for planting.
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.