Sok is 31 years old and the father of three, school-aged children. To nourish and educate his children, Sok makes a great effort, working in his business as a construction worker, and also engaging in farming activities on his own farm. At a construction site he works at least 8 hours per day and gets his wage of USD 5.00 each day. Despite his hardships, Sok wants to go far in his business and provide a happy life to his family members. He has been working in these fields, for years.
To help him reduce his operating costs in farming, Sok would like to borrow a loan. He will use it to purchase a couple of cows, for the maintenance of the rice paddy. He believes it will go well for him, because he will avoid hiring others' animals in each harvest season. This way, he'll be able to improve his profits and save more for the future emergencies of his family, as well as education for his children.
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.