Mrs. N. is a rice farmer who lives in Kampongsvay Village in the Kampong Thom Province. She grows rice twice a year, during the rainy and dry seasons. She has been farming since 2000, while her husband, Mr. Tha is a veterinarian and works in the local area. N. has five children, two of whom are married staying with the family's home and three others are single. One son is employed as a driver in Phnom Penh City and one other runs a business of carpentry.
Now, she would like to ask for a loan to pay for renting a tractor to plow the farmland for dry season and the remaining amount she plans to use for her daughter's business of carpentry.
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.