Khishigjargal is 45 years old. She has three children and lives with her son and daughter in Mongolia. She is an astrologer, but from 2002 to 2005, she worked as a seller for a diamond and jewelry shop. She studied in secondary school from 1975 to 1985. Now she works as a astrologer at Gandan (the state monastery) of the city. Furthermore, she plans to operate a grocery store in her city beside her current work. She has much business experience, so she believes that she will have many customers. She is requesting a 3,000,000 MNT (Mongolian Tugriks) loan to use to operate a small grocery store.
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.