Hem is a public school professional teacher living in Prey Chor district, Kompong Cham. She provides education to young children between the ages of seven and ten. She teaches a maximum of four hours a day and switches between morning and afternoon shifts every other month. From this valued work, she can earn a decent income to live on. So she decided to get involved in another business, raising pigs, in order to make additional income for the household. Now she is forty-one years old, married, and has two school-age children. Hem has been a client of HKL for two years and it’ll be her second loan.
She would like to use the loan to purchase an additional plot of rice field to so she can expand and increase her rice production in the coming years. She can sell her rice for profit if she is able to maintain a fruitful harvest annually. Hen will save her increased income for her children's future education and for family emergencies.
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.