Chum, aged 36, is a very responsible, honest and hardworking woman. Her husband and four children live with her in Prey Chor district, Kompong Cham province, while her oldest child got married and is settled in his individual house. Her income is what she earns from growing seasonal rice crops on her own farm. She receives support from her husband and their children to accomplish these activities each year.
Chum has taken out several loans with HKL and they have been punctually repaid. She now wants to invest this Kiva loan in purchasing a cow to help her in her farm work. The impact of the loan is that she can reduce the operating costs of farming and save more profit for future emergencies of her family. She wants to have a plentiful harvest this year. Her dreams are to have a successful business, obtain more income, improve her home and educate her children up to a higher level of education.
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.