Growing agricultural crops is the major economic activity for Cambodian people who live in Ornlong Veng District, Odor Meanchey province, Cambodia. One of them is Mrs. Phann, 55, who has been involved in the agricultural business for ages. She is a hardworking woman, covering her family’s need. Mrs. Phann’s husband has the same business as her, and they are working together on their existing farmland. This humble couple is getting more experience from this business activity. From this sector, they can earn about 5 dollars for each day. They are blessed with three children who are living under their roof, all of whom are attending a local school. Phann and her husband have grown mixed crops on her land such as rice, potatoes, corn and other kinds of beans. They planted two months ago but the crops are not growing well due to the lack of fertilizer and crop plague, thus she has decided to request a loan to buy mineral fertilizers and pesticide to keep her crops growing well in good condition. In the future, Mrs. Phann wants to build a larger house, send all of her children to college to become well-educated people, and wishes to have a plowing machine. She says that this fund is very useful for her business sector. This is her first loan with HKL, a partner of Kiva.
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.