M. Dương Thị (522980513) is a 55-year-old woman living in the town of Ý Yên. She is widowed and has two school-aged children. To make a living, M. owns & operates a general store. While not the only means for generating revenue, the main source of income for the business comes primarily from selling a variety of different products in the local community. M. has been engaged in this business for over 11 years and earns approximately 5100000 VND a month from these activities.
In 2003, 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 of 20000000 VND from TYM Fund. This previous loan was used to purchase additional products to sell. M. is now requesting a new loan of 20000000 VND, which will be used to expand the business. The loan will be the 11th loan taken out by the borrower from TYM Fund. M. plans to use the additional revenue generated from the business to improve/expand her business.