Enhgerel, age 37, and her husband live with their three children in Umnugobi province. In 1997, Enhgerel decided she wanted to improve the life of her family, so she and a friend went into town and got involved in the clothing business. When she started, she only had 1.5 million Tugrugs. Now the business is worth 5.5 million. Once a month, Enhgerel gets new products from Beijing. Because she only buys high-quality products and receives them from Beijing, the clothes she offers are usually better than those offered by the other sellers.
Enhgerel needs a loan so she can purchase more apparel from Beijing. Her goal is eventually to have enough money to embark upon her real dream job: opening her very own pastry bakery and shop.
Her husband, Enhbayar, was crew foreman until an accident at work punctured one of his eardrums and left him partially deaf, a condition that persists even after attempts to have it corrected. He now works as a delivery man for the vendors in town.
Enhgerel and Enhbayar live with their children in their own ger (a Mongolian felt tent lived in by nomads). They have twins, Tseveenjav and Tseveensuren, age 16, and a son, Arvinbileg, age 10. They are all happy and healthy.
Enhgerel is a humble, pleasant person who believes her dreams are just on the horizon.
This loan is being administered through XacBank, a Mongolian for-profit microfinance institution. XacBank is located in every province of Mongolia, reaching some of the most rural micro business clients. With this Kiva loan, there is an opportunity for the entrepreneur to get a savings account including 9% of the interest if they pay back the loan on time. This is a special savings account that XacBank has specifically prepared for the Kiva loan borrowers to promote savings habits.