H. Nguyen Thi is forty-nine years old and lives in the town of Hung Nguyen. She is married and has four school-age children. To make a living, H. owns and operates a business of raising livestock. The main source of income for the business comes from raising water buffalo for sale. H. has been engaged in this business for over twenty years and earns approximately $110 a month from these activities.
In 1999, H. joined the Kiva field partner, TYM Fund, to gain access to financial services to help improve her living situation and to get the ability to engage in business activities. H. has successfully repaid previous loans from TYM Fund. These loans were used to add to the shelters for her livestock. H. is now requesting a new loan that will be used to purchase a transport vehicle for the business. This will be her tenth loan from TYM Fund. She plans to use the additional revenue generated by this loan to improve her business.