Mrs. Amarzaya is married, 40 years old, and has two children. Both children attend high school. The family lives in a house in a local get district, which lacks basic infrastructure of the city.
Amarzaya is an ambulance doctor, while her spouse owns a bus and operates a public transportation business. In the winter season, all drivers face very difficult car freeze-up problems. For this reason she and her husband want to build their own garage for her husband's bus.
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.