Bolortsetseg T. is 31 years old and lives with her husband and three children in the Darhan-Uul province of central Mongolia. She and her family live together in a ger, which is a traditional Mongolian nomadic housing tent. Her oldest son and daughter currently attend a local secondary school and her youngest will soon start kindergarten. Her husband, Darkhanchu, operates a taxi service in the local area, using the family car as a taxi. Bolortsetseg operates a small cafe in her town. She serves a variety of traditional Mongolia dishes to her many customers. She opened for business in 2008 and has built a stable customer base, growing her operation in a short time. She has developed her skills as a cook and used her income to improve her customer seating area and to purchase new equipment. She hopes to soon hire more workers and increase her food variety to attract new customers. Bolortsetseg is a gentle and honest person. She and her husband have used their business success to improve the quality of life of their family. She says "I try very hard to raise my children to be well educated, honest people". Bolortsetseg is requesting a 2,300,000 MNT loan in order to purchase more food for her cafe and begin producing new types of meals.
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.