Sok, age 31, works for a garment factory in a suburb of Phnom Penh city. Sewing clothes is the main part of her family’s income. Sok is married to a humble man who works with a construction team to provide construction services around the country. She has three school-age children who completely depend on her care. Sok told us that she still has financial difficulties because the income generated from their businesses seems barely enough to cover the high cost of commodities. However, Sok has tried hard in her career, working overtime to get extra profit to support the family.
In order to reduce some of the family's transportation expenses, Sok would like to take out a loan of USD 500 to purchase a second-hand motorcycle for the household use as well as for support of her business. She and her husband can travel to work by themselves without taking other taxi services. She believes that she will be able to better her living standard someday as she strives to work harder.
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.