N. is 51 years old and sells Khmer desserts for neighbors in the village. She currently earns an income of approximately $2 per day, and has been running the business since 2001. She is widowed and has given birth to five children; three of them are employed and the others are students. They live together in the rural area of Kompong Tom Province. To help with the family's food needs, one of her employed sons sells firewood. N. hopes to buy a cart for her son to use to transport firewood to sell directly at clients' houses; thus, she is applying for a loan to purchase a cart, and will use the remainder of the loan to repair her house.
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.