Mrs. Dou is 32 years old and a married woman who lives in the Kompong Speu Province. She is a local cultivator, sells bees for extra-income, and she has three children, all of whom are attending school and living under her income. She currently generates an income of approximately $5 per day. To help support her in paying the financial expenses, her husband provides a motor taxi service to his villagers and other travelers. Typically, Mrs. Dou hires her neighbor’s cow to plow her farmland. To help reduce her costs, Mrs. Dou is applying for a loan to purchase a cow. She will use some part of a loan to build a new bathroom for her family to use.
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.