S. is 36 years old and lives in Siem Reap Province. She has three children, all of whom are single and live with her. Her older daughter is employed as a garment worker, which adds to the family's income. S. is married to Nginh, 32, who is a local construction foreman with a net income of $3 a day. S. grows vegetables behind her house and has sold her gourds in bulk since 2003. She also sells fish at the market that she gathers in bulk from a fisherman. Her sales have increased her family’s income. However, S. now faces difficulties with transportation and with the condition of her garden soil. She is looking for a loan of $600 to buy a motorbike and fertilizer, which will help her out with her business, and will help the family reach a better standard of living.
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.