Mrs. Pen S., 26, is a mother who is caring for one child. She runs a small wooden store in front of her house, where she sells little snack foods and some groceries to her neighbors in the village. She is married to Sopheak, 29, who is a local goldsmith and also a porter in the busy local market. Pen S. is taking out her loan to accumulate a quantity of grocery inventory to sell. She intends to use some of the money to repair her motor that often breaks down.
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.