Tinna is 42 years old and livers in the Saint Paul area. She is married and has four children between 10 and 19 years old. All of them live with her and are presently in school. For the past five years she been in the charcoal business. She is requesting a loan to purchase more charcoal for her business. She hopes to build herself a house. Some of the problems she faces are during the rainy season.