Kov is 54 years old and a married woman, who lives in Baray district of Kompong Tom province. Kov has five children, but four of them are already married and no longer live with her. Kov helps her husband in earning income, by dedicating herself to a hog-raising business. She has been in this business for more than three years, operating from a wooden pigpen behind her house. Also, Kov makes a kind of Khmer cake and retails cakes throughout her neighborhood, for additional income. However, her husband is the main earner of income for the household. He goes fishing every day along Tonle Sap River, and then he brings his catch to the marketplaces on the public transportation service.
In order to reduce transportation costs and make the couple's business more viable, Kov would like to take out a loan from HKL and Kiva, in the amount of 2,000,000 KHR, to help them purchase a used motorcycle for transporting fish to the marketplaces. She thanks all her kind lenders for the generosity of the loan. She has never made any late payment for her previous two loans. In the same manner, she will pay this loan back punctually as scheduled.
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.