Ms. Sot Ra is 29-year-old; she lives in Sras Srorng Khagn Cheung village, Sangkat Nokor Phnom, Krong Siem Reap, Siem Reap province. She runs a small restaurant and souvenir shop. Ms. Ra has five dependent people.Ms. Sot Ra received loans from HKL for three cycles. She, in the first cycle, got a $4,000 loan for financing her restaurant business activities. Next in cycle two, she borrowed $5,000 to be as capital for establishing a souvenir shop. Both the souvenir shop and the restaurant targeted to foreigner. And then, in the last cycle, she used a $10,000 loan provided by HKL to strengthen her business activities. The loan term for the first two cycles was 24 months each one and 36 months for the last cycle.In the future, Ms. Sot Ra wants to expand her businesses by purchasing land next to her restaurant in order to separate the souvenir shop's location from the restaurant's for one thing, and to enlarge space for vehicle parking, for another thing.