Chan is a 57-year-old businesswoman and local farmer in the Baray district. She and her husband have owned and operated their retail business for over two years. They sell many kinds of goods to passersby and other villagers who reside next to their community. The items that they sell are cooking ingredients, shampoo, soft drink, candy, and some essential goods. They always help each other to earn money to meet the financial demands of the family. From this business they can earn net income of about US$5 per day.
This couple have a good attitude and they are always forming relationships with their neighbors so that they attract extra clients who come to buy their goods. In order to make their fixed goods retail business successful and to earn more income, Chan would like to apply for loan funds so she can purchase more items such as cooking ingredients, shampoo, soft drink and candy in order to continue selling.
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.