Nem is 56 years old and a responsible mother of 4 children, living in Dongkor commune, a suburb area of Phnom Penh city. She is involved in managing household things and taking care of the family, while her husband works to buy and sell rice for profit. This family owns a few plots of land for rice cultivation and as usual, Nem’s husband is the main person in performing the task at the rice field. Also, some of their children help them when they get free time from school.
Nem is seeking for a loan through HKL, one of Kiva's partners, to increase her rice stock for sale and pay for the process of planting dry-season rice. Through using the loan with her patient and effort, Nem hopes to earn a quality of life and attain a comfortable living.
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.