Mrs. Heng is 45 years old, married to Mr. Von and has four children. They make a living as farmers, using land which is located near their home. The couple has been doing this since 1980 and one of their children is now making a living as a garment factory worker in Phnom Penh while the other works as an electrician. The other two children are both still in school. The couple earns about $3 a day. They work very hard and are applying for a $400 loan from Kiva to buy fertilizer, which they plan to scatter on their field during the coming rainy season. They will also use a portion of the loan to hire several people to help them plow their land. In the future, the couple would like to open a new business which will help them secure their financial stability.
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.