Mr. Than, 48 years old, owns a small shop located along the street where he sells soft drinks and coffee. He typically makes around US $5 in profit each day to ensure that his family has a comfortable life. His wife is a good homemaker and a domestic rice cultivator. He is married with six single children. Three of the children are employed in the garment industry as garment factory workers and have a specific salary each month and the other three attend school. Mr. Than is running his business smoothly because he has skills in public relations, which he uses with his customers. He also faces a problem: his shop is too old and not attractive to the customers. To solve this obstacle, Mr. Than would like to request a loan to decorate his shop, which will allow him to add new customers to his clientele.
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.