Yem, aged 45 and married, lives permanently in Baray district, where she operates rice farming and hog-raising businesses to earn her living. She has a life partner who is very supportive in the businesses. Yem has many years of experience in this type of agricultural business. She normally earns in the vicinity of USD 4.00 per day which she uses for household expenses. Yem has six children, five of whom are single and one is married. Most of her children are employed in various careers, so only her youngest child is still attending school.
Yem has requested a loan from HKL and Kiva to purchase a used motorcycle for household use, thus meeting her family's needs. This will provide the family with good transportation services especially for her employed children commuting to their workplaces. Also, it will help the family to cut down on some of their transportation expenses. Yem thanks lenders for their consistent support.
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.