M. Lỗ Thị is a 49-year-old woman living in the town of Mê Linh. She is married and has 4 adult children. To make a living, M. owns and operates a business venture in the agriculture sector raising livestock. While not the only means for generating revenue, the main source of income for the business comes primarily from raising cattle for sale. M. has been engaged in this business for more than 8 years and earns approximately 4000000 VND a month from these activities.
In 2000, M. joined TYM Fund to gain access to financial services to help improve her living situation and ability to engage in business activities. M. has successfully repaid a previous loan from TYM Fund. This previous loan was used to purchase baby livestock to raise and sell in the future. M. is now requesting a new loan of 20000000 VND, which will be used to purchase breeding livestock. This loan will be the 8th loan taken out by the borrower from TYM Fund. M. plans to use the additional revenue generated from the business to improve and expand her business.