By appears in the photo with her husband. Both of them are in the same business, of cultivating rice crops on about two and a half hectares of farmland. From the business, they are able to raise their five children and can afford to send them to school. By is 54 years of age and she has been farming for more than 30 years. With her many years of experience, By is expert in taking care of her rice crops and ensuring abundant harvests each year, except for the year of a big flood. However, the way she does farming is still based on the traditional method.
Due to the rainy season, By has a lot of farm work to complete and she also needs additional capital to pay for her operating expenses. To help her in the business, she would like to borrow some funds from Kiva lenders to pay for plowing fees, labor costs, and to purchase fertilizers to care for her crops. She has been with HKL six times already and she paid off those loans successfully. This will be her seventh loan and she hopes to receive it, to continually improve her business.
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.