Ms. Uugansarnai is married, 33 years old and lives with her daughter, two sons and husband in a ger (or traditional Mongolian tent) in an outer district of her town which lacks basic infrastructure. Her daughter attends the local primary school while her sons attend kindergarten. She supports her family by operating a clothing stall at one of the largest indoor markets in her the city. She sells a wide range of children's clothes which she imports from Ereen, a border city between Mongolia and China. She said: "to sell children clothes is very beneficial so in the future I want to rent one more stall."
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.