San is a 27 year-old woman and the mother of two school-age children from Baray district of Kompong Thom province. San has run a small business as a seller for years. In front of her house, there are lots of mixed products that she sells to her customers such as canned foods, groceries, packaged food etc. From this business, she can earn around $2.7USD per day. San also relies on the income from her husband who transports firewood for selling. During the rainy season, this couple is concerned that they’ll face difficulties because they don’t have any animals for plowing their field, so they have to spend a lot of money to hire their neighbor’s animals for farming. So San is asking for a loan from HKL and Kiva in order to buy a cow for plowing as well as for hauling the firewood.
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.