Thnam is 57 years old and a mother of six children. She is a widowed woman since her husband passed away a few years ago. Thnam sells ceremonial supplies such robes, presents for the monk, incense, candles and other familiar things in various places. She is able to make an average income of USD 5.00 per day. Most of her children have quit studying and started working in various occupations, and they share some of their income to help the family. Two among them are already married and live separately.
Due to the lack of a vehicle for her children's commuting to work, Thnam would like to take out a loan to purchase a motorcycle to meet the family’s needs. This motorcycle will enable her family to reduce some monthly transportation expenses. In the future, Thnam wants to own a medium sized store for selling ceremonial supplies.
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.