Sam is married and a responsible mother of three children, all of whom are married; one among them works as an electrician. Her family’s source of income depends on their farming activities and a retail business, which she operates from her house in a small village of Kompong Cham province. She has been doing in these businesses since 1999, from which she is able to cover her daily costs.
Sam has been a good client with HKL for six loans already. The loan she is asking for will enable her to cover the tuition fee of her child who is studying to be an electrician in a vocational training center. Also, she will use a portion of the loan to buy merchandise to sustain her retail business. She is grateful and confident to pay back the loan 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.