Hattha Kaksekar targets individual family as well as the entities in the 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 is short of funds to support their daily business activities. So to say, they need credit to create, improve and expand their business as well as their household income. In many cases, woman is the sole owner of the business and their husband has his own job with other different businesses-help her sometime. 

Characteristics of Borrowers

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

1-    Legal person

2-    Experience and capacity in their occupation

3-    In good reputation, responsible, loyal, and legal

4-    With specific and legal occupation

5-    With permanent residency inside the operating area

6-    Having any certificate of identity 

As of December 2007, 72% of active borrowers are women, who mainly running micro-businesses and the remaining 28% is male borrowers. Even their business managed by her husband but most women help and cooperate in term of money management in particular.

 The major proposition of age of borrower of HKL is between 31-45, those who are capable enough to operate their business given their work experiences, financial capacity and energy.

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

Customer Analysis by Sex

Be the end of December 2007, 72% of the active borrower of the institution is female holding US$ 9,673,178 loan portfolio and 28% are male holding $4,492,161. 

Customer Analysis by Age

By the end of December 2007, about 30% of HKL active borrowers are between 18-30, 46% are 31-45 and 25% are over 45. 

Customer Analysis by Occupation

Among all the customers who borrowed from the institution, 45% of them used their loan for their trade and commerce purpose, followed by household and family 19% and agriculture 18%, Service 9%, Transportation 4% and other 5% for construction and other purposes.