Mr. Sam, 36 years old, is a villager in the Ornlong Veng district of Siem Reap province. He is married with three children. All of his children are single and school-age. Mr. Sam has worked as a local cultivator as well as a mortar maker for many years. From mortar making, he typically earns $4.50 USD per day. His wife also assists him in the same occupation. The heavy rainfall is a good sign for him to grow rice crops. Because of lacking financial sources, Mr. Sam is looking for a loan to support his crop-planting business. He will use it to purchase insecticides and to hire local laborers to help him during the harvest process. Mr. Sam said that in the future, he’ll be able to enlarge his mortar-making business to satisfy his customers’ needs and make more profit.
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.