Hattha Kaksekar targets groups and individual families in both rural and urban areas. The target customer varies in accordance with the products which Hattha Kaksekar offers.

In general, women initiate their business in service and retail sectors. They manage cash in the family and allocate cash to ensure their economic situation. The major problem that they face is a lack of funds to support their daily business activities. They need credit to create, improve and expand their business as well as their household income. In many cases, women are the sole owners of the businesses, and their husbands have their own jobs with different businesses (but still help their wives sometimes).

Characteristics of Borrowers

HKL provides individual loans or group loans to citizen who can meet its requirements including:

1-      Is a legal citizen

2-      Has experience and capacity in their occupation

3-      Has a good reputation for being responsible, loyal, and legal

4-      Is engaged in a legal occupation

5-      Ha a permanent residency inside the operating area

6-      Possesses a certificate of identity

As of December 2008, 79% of active borrowers were women, were mainly running micro-businesses with the remaining 21% being male borrowers. Even if businesses are managed by husbands, most women still help, especially with money management.

The majority of borrowers of HKL are between 31-45 years of age. This is the age at which most people are capable enough to operate their business given their work experience, financial capacity and energy.

The majority of loans are provided for micro and small businesses (trade, commerce, manufacturing, service) and farmers. However, most Cambodian farmers do not rely only on farming to earn income but also seasonal agriculture such as fishing, vegetable farming and animal raising ... etc.

Customer Analysis by Sex

Be the end of December, 2008, 79% of HKL’s active borrowers were female holding a total of US$ 21.8 million in loans and 21% were males holding US$ 7.26 million. The percentage of women increased by 7 percent compared with last year. 

Customer Analysis by Age

By the end of December, 2008, about 25% of HKL active borrowers were 18 to 30 years old, 46% were 31-45, and 29% were over 45 years old.

Customer Analysis by Sector

Among all the customers who borrowed from the institution, 35% of them used their loan for agriculture, 28% for trade and commerce, 16% for household and family, 12% for service, 4% for transportation, 2% for construction, and 3% for other purposes.