Enhtsetseg is a 28 years old woman who lives with her daughter and parents in Dornod province in Eastern Mongolia. Her daughter is 3 years old. Her husband is employed but works in the capital city. She has been running the business of garment retails since 2005, when she was a student. Since that time, she became financially independent, paid the college tuition fee by herself. She purchases and brings the products from China and trades them in a well- positioned shop counter of the town. Enhtsetseg is a intelligent woman who says that "I would like to develop the business activity by purchasing the products in wholesale so that I could save the transportation expenses and raise the income." The total amount she is requesting is 3,000,000 MNT to purchase garments from China.
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.