Sum lives together with her husband and three children in their own home in Prey Chor district, Kompong Cham province. She works in agriculture, specifically in rice farming, and raises some poultry in her yard. Years of working in this occupation has given her valuable experience, which allows her to have a better harvest. Sum can earn additional income by getting involved in other supplementary businesses whenever she is available from the bustle of work in farming activities. Right now she sells dried freshwater clams ("liahs" is the Khmer word) at a nearby market, generating approximately $5.00 per day.
Sum is the kind of honest woman who is very industrious in her daily tasks. She strives to attain a better future through her children’s education. Sum wants to double the output of her rice product this year. For this reason, she is requesting a loan from HKL to buy a piece of farmland for growing rice. Sum has been a good client with HKL for four times already, and she has good payment references. She ensures that she will be able to repay her debt, and at the same time, she has confidence that she will give her family a better quality of life.
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.