Mrs. Kem is a responsible mother who has spent most of her life working in the agricultural business in the Prey Chor district. She has lived there with her husband and 3 children for ages. Most of her main income is made from farming. Presently one of her daughters is married and works in a shoe factory in Phnom Penh city. Her husband always assists her on the same farmland to raise the whole family. Together, they typically earn approximately $2.50 per day. Mrs. Kem now is taking out a loan from Kiva, through HKL to pay for local laborers harvesting and threshing her rice crops. In the future, she will own a general store from her house and sell many kinds of merchandise to satisfy the people in her commune.
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.