T. Nguyễn Thị is a 28-year-old female living in the town of Sóc Sơn. She is married and has two young children. To making a living, T. owns and operates a service-based business. While not the only means for generating revenue, the main source of income for the business comes primarily from providing general services to local community members. T. has been engaged in this business for more than five years and earns approximately 5,500,000 VND a month from these activities.
In 2001, T. joined TYM Fund to gain access to financial services to help improve her living situation and ability to engage in business activities. T. has successfully repaid a previous loan of 20,000,000 VND from TYM Fund. This previous loan was used to invest in renovating her business. T. is now requesting a new loan of 20,000,000 VND (US$1,175), which will be used to invest in expanding the business. The loan will be the eighth loan taken out by the borrower from TYM Fund. T. plans to use the additional revenue generated from the business to improve/expand her business.