Sum is 43 years old and is a married mother of six children, residing in the Prey Chor district of Kompong Cham province. She devotes herself to farming while her husband provides a horse transportation service for household income. Together, they can make around USD 8.00 per day to support themselves. Sum wants to be more successful in her family-owned businesses and earn a good income to meet her daily living needs. Besides transportation business, Sum's husband is going to get involved in trading firewood, but, due to the lack of capital, he will have difficulties to get access to this new business. To help her husband in the business and deal with the problems, Sum decided to look for a loan in the sum of USD 1,200 to purchase an additional horse and firewood stocks. Sum believes that, through the new business, the household will increase its income to satisfy her family needs. Also, she will save it for her children’s education and future emergencies of the family.
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.