Journeys Within Our Community, a non-profit organization registered in the United States and Cambodia, provides micro financing and an informal lending network to groups of borrowers, the majority of which must be women, in Siem Reap. Created out of a need for fair-interest loans typically denied by formal banks to those without a credit history, form of collateral, and literacy to complete bank forms, JWOC’s target market is those who own microenterprises – from the roadside food vendor to recycling collectors and handicraft makers.