Minh was born in 1980. She lives with her family in Bac Ninh. She has three children. Her oldest child is a carpenter, her youngest child is four years old, and the middle child is in high school. Her husband is a construction worker. Minh retails scrap, to earn a living. She has done this job for four years. Minh is a hard-working and dynamic woman. She also has passion in her business. She said that her job has made her become a dynamic woman, and ensures her family’s life. She earns about 3,000,000 VND per month. Her family’s total earnings amount to about 5,000,000 VND per month.
Her challenge in life and work is a lack of capital for her scrap business, and a lack of money to pay for her children’s education. Her dreams are to expand her business, to buy more equipment for her house, and that her children can be successful in life. This loan is one step to help her reach for her dreams. She has participated in SEDA's credit program since 2007. In this loan cycle, she would like to borrow 10,528,000 VND, to use in her retail scrap trading. She always wants to expand her business, improve her family’s life, and save profits for her children's education.
The Center of Small Enterprise Development Assistance (SEDA) is a non-profit organization whose vision is to create “a society without poverty.” Founded in 2004, SEDA provides microfinance services to low-income and disadvantaged people in rural areas of Hanoi and the northern provinces of Vietnam through its Binh Minh Micro-Finance Program.
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