Khoem was photographed at side of her own house situated in Baray district, Kompong Tom province. She lives there with her spouse and two single children. She is 29 years old and an industrious woman who devotes her full time to a farming business as well as to her household. She has been farming rice since 2005 to make a living. Khoem also has some skills in making some types of bamboos baskets for additional income. She does this work at home, especially when she has free time from farming. However, the income she earns is just to meet the needs for her daily food.
Khoem’s husband, who is the main income provider of the family, plans to work as a paid laborer over a six-month period in a neighbor country in order to make his family financially stabe. Working as a paid laborer in the neighbor country will offer him a higher payment than what he does in his own country. With regard to this, Khoem decided to ask for a loan from lenders in order to help her husband. She wants to obtain a loan in the amount of KHR 1,500,000 to supplement her savings to pay for document charges and his passport. Khoem hopes that she and her husband will be able to uplift their family out of poverty and provide a good living standard to all of her children someday.
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.