Mrs. Chea is a 32-year-old woman who comes from a low income family. She operates a selling business. She sells cakes, cookies, sweets and chocolates, especially varieties of biscuits (cookies) for the kids in the community. She has run this business for many years and she’s able to generate an income of around $2USD per day to support her livelihood. She now has two single children, one of whom is a hairdresser in a suburb area of Phnom Penh city. Chea is a good wife and mother. She always cares for the family as well as the future of her children. She wants all of them to become people who can live independently and have their own careers. Due to the lack of transportation means for the family, Chea has faced difficulties in her personal life and business. She would like to apply for a loan from HKL and Kiva in order to buy a second-hand motorcycle for the family’s use. In the future, she intends to expand her selling business and sell more types of products.
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.