Mrs. S. is a forty-eight-year-old clothing vendor residing in Battambang Province. She currently sells clothing for both men and women from her store in the local market. She is married with four children; one is already married and other three are single. Her husband is a military policeman.
S. is an energetic woman who never wastes time as she works to earn the money to encourage all her kids to attain the highest levels of education. She has managed her investment carefully and has attracted a large number of customers due to her communication skills.
S. has a son who is skilled at repairing mobile phones and he hopes to use his knowledge to earn money, but he doesn’t have money to use as capital. Therefore, S. has requested a loan of US$ 1,200 for her son to purchase repair material and essential tools to begin a phone mending service.
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.