Shown in the photo are S. and her husband who have spent their life cultivating crops. This is a skill they learned from their grandparents. This couple was married years ago and they have three school-aged kids. Growing crops is an annual action with which they have had great success for several years. The family is able to plant the crops at least twice a year by following both rainy and dry seasons. The coming rainfall is good for growing; however, the family doesn’t have capital to use on their farm. So S. discussed this with her husband and decided to seek a loan to use towards purchasing fertilizers, insecticides, a pump machine, and seeds for planting.
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.