Yin Y. is a mother caring for four children, all are attending the local school and are dependent on her income. She is married to Roeurn, who earns his daily income by climbing the palm trees behind his house (to collect sap). He has been in this business since 2000. Palm-tree-climbing as an occupation is very common in the countryside for poor men.
Because the equipment Yin Y.'s husband uses for climbing palm trees is getting old – some are broken down, it is hard for him to operate his business. Yin Y. wants to help her husband's business, so she decided to request a loan for him to buy ladders to climb the palm trees. Yin Y. and her husband are both in the picture.
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.