V., aged 42, has been growing rice for more than 18 years, and she can grow both seasons, rainy season and dry season. She learned her farming skills from her grandparents. She is married to Born, 44, who works with her in the business. She's a good mother of five children: four are teenagers who are attending school and the other is married and lives away from the family home. V. is asking for a loan as capital to buy buffalo to raise for sale and use them to do rice in the dry season. (V.'s husband is pictured because she was not available.)
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.