Mr. V. is 27 years old and lives in a rural commune of Phnom Penh City, where he works as a security guard in a garment factory. He started his job when he was single, but is now married to Theavy, who is 25 years old and a seamstress. The couple has two children who are both enrolled in school. V. currently faces a problem: he does not have an electricity line for use at home. Therefore, V. is applying for a loan in order to pay a bill for connecting a new electricity line for his family's use.
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.