Mrs. Heng N., 46, is a farmer who earns $1 per day. Her husband, 66, earns $2 per day as a village chief. The couple has 6 children. One of their children is a student and three of the others work in a garment factory earning $80 per month each.
Mrs. Heng N. would like to borrow $500 to finance the purchase of a motorcycle for her family’s transportation.