Mrs. S. is a 30-year-old wife and mother. She has been farming for years, cultivating rice and some vegetables. Her husband, Sot, aged 32, appears in the photo. He works with her on the farm field. The couple lives with two small children who are going to school. S. is currently planting a rice crop, which she will harvest when it is mature. S. has another big farmland, on which she plans to plant crops for additional profit. Because S. doesn’t have money, she has applied for a loan to purchase many sacks of fertilizers and crop seeds to grow a better crop. She is hopefully that the loan will provide her with much income for her family and for her loan installment.
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.