Le Thi Luong, 23, seen in the photograph, is one of TYM Fund client Nguyen Thi Muoi's 5 children. Mrs. Muoi is 53 and runs a mobile phone card business which has become very successful since last year, when a second mobile service provider arrived at the small town of Do Luong and the price of phonecalls went down. Mrs. Muoi and her family also run an outdoor cafe offering tea, coffee, beer and snacks. On a hot day they have up to 100 guests. Mrs. Muoi is asking for a loan of US$250 to buy more drinks and SIM cards for sale.