Mrs. T. H. is 54 years old, one year younger than her husband. They have 4 children aged from 23 to 30, the youngest of whom is going to college. She has a field with soya bean, corn, and groundnut. However, her amount of soya bean is not enough for her tofu processing business. Hence, she wants to borrow $500 to buy soya bean to make tofu every day. Additionally, she wants to buy more goods such as fish sauce, sugar, and dry noodles for her grocery. She also wants to buy 2 more pigs to raise. Despite the fact that she has to work hard, she is very happy as she can earn $62.50/month, which she never dared to dream of 5 years ago.