Nay is 32 years old and is a conscientious and responsible mother of two school-age children. She permanently lives in Ang Snoul district of Kandal province. She works for a local garment factory located in her community. She works six days per week from Monday to Saturday. Her daily work schedule is from 7am to 5pm, but sometimes she has to work overtime as required by the employers.
She normally receives her salary of approximately 90 USD monthly. Another source of the family’s income is from her husband who is a construction foreman. Nay wishes to upgrade her living status someday, so she plans to start another business, which will be run by her husband. That business is to provide daily transportation service to particular groups of garment factory workers.
Nay decided to ask for a loan from HKL, a longstanding Kiva partner, to purchase a Tuk Tuk, a used motorcycle that comes with a trailer at the back, for her husband. She is very happy and hopes that her family’s household income will increase.
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.