Ngor is a responsible father who is involved in a farming business to support his family. He is 27 years of age and has two dependent children who are still enrolled in school. Nngor strives to work harder because he wants to save money for his children’s education. In the next few years, one of them will be ready for his secondary school and need more allowances. Despite his hardships and difficulties, Ngor has strong determination to improve their standard of living.
Ngor needs to acquire additional capital to buy necessary farm supplies for his rice crops in order to have plentiful crops and yield a good income upon harvest. He will purchase fertilizers and pesticides. He believes that he can improve the business through the effect of this loan and he hopes that Kiva lenders will not reject his first loan.
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.