S. is 21 years old, married and has a one year old child. She supports her family by farming rice. Her husband, 26, sells carving wood that he takes from the forest and transports to customers' homes. The business is going well, but she currently uses her parents' oxen. She has applied for a loan to purchase two oxen, and this will improve her family's living conditions.
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.