Tem is from Prey Chhor district of Kompong Cham province. She is 31 years old and is married with four children, all of whom are single. Tem usually grows a rice crop, which is a traditional activity she has always done. From this farming business, she is able to earn an average of USD 2.00 a day to cover her daily expenses. Her husband works in the same business as her, rice farming.
Besides the crop-growing business, Tem’s husband also acts as a horse driver for all the passengers and villagers who need to travel in and around their community or need to have someone pick up their merchandise. Presently, his existing horse is getting old and it cannot support him while running his business. That is why Mrs. Tem would like to borrow a loan to purchase a new horse for her husband so he can run his business as before. In the future, Tem hopes she can expand her crop-planting business, to repair her house and enroll her children in a high level of education.
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.