Mrs. Tran Thi H. is 31 years old. She joined TYM Fund in 2006. First she borrowed VND 3 million to sell vegetables and fruits. This is now her family's main source of income. For the next loan cycle, she wants to borrow VND 9 million to buy a cow and raise it. With an income of VND 2 million from her existing business, she believes that she can repay the loan in a timely fashion.