Otgonsuren is 41 years old and lives with her husband and son and daughter, who are 18 and 15 years old respectively. The family lives in Mongolia's capital, Ulaanbaatar, in a ger or a traditional tent. Both of her children attend public school while her husband works as a firefighter. Otgonsuren supports her family by operating two retail stalls where she sells building materials. She began her business by selling lamps but has since expanded it to also sell electric cords, locks, electric plugs, extension cords and other accessories. She is applying for a loan of 3,000,000 MNT to buy more materials to sell to her customers during the busy shopping season ahead. Her main goal for 2011 is to build a house where her family will enjoy better living conditions.
Transcapital is one of the leading non-bank financial institutions (NBFI) in Mongolia. Through 12 branches, it serves mainly urban and semi-urban microfinance clients, including a growing number of migrants in the capital city of Ulaanbaatar. Of its clients, almost 68% are women and 60% live in ger districts, settlements made up of houses and traditional Mongolian felt tents that lack basic infrastructure.