Yam, age 50, is a farmer from Baray District, Kompong Tom Province. She plants and harvests crops to sell each season. She has been doing this type of business for more than 10 years. Yam wants to maintain the business as the primary source of her family's income, allowing her to satisfy their needs for living. Her spouse serves her as a good supporter as well as a business partner in running the business. Despite their hardships, Yam and her spouse would like to develop their business gradually and make it more profitable in the future.
At this time, Yam really needs fertilizers to apply to her rice crops so as to ensure high production. For this reason, she is requesting a loan of 700,000 riels to buy supplies needed for her crops. It will be a big help to her and also to her family. She will use her profit to pay education fees for two of her children. The other two are already married.
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.