Nhoek is a 54-year-old widowed woman who is responsible for two children, living in Ang Snoul district, not far away from Phnom Penh. Nhoek is one of the credit association members in her commune, where they help each other in turn as financial solvency. Aside from her responsibilities for her credit association, Nhoek also operates a rice farming business to constantly support her family with enough food and basic necessities. Nhoek’s oldest child is very helpful in providing hard work at the rice field. In addition, he is providing transportation service to local people for extra income.
Nhoek is now taking out a loan through HKL and Kiva to purchase a new motorcycle with a trailer attached at the back for her son to provide better service to his customers. This purchase will be a great help for her family as their income will increase through serving transportation service. She appreciates the given loan and thanks to all kind lenders.
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.