Mrs. Phan Thi P. is 55 years old. Her three children are all grown up and have stable jobs. She joined TYM Fund in 1997 to borrow loans for animal raising. At present, besides animal raising, she has a rock grinding machine and grinds rock for people in her area. For the next loan cycle, she is applying for VND 10 million to buy a threshing-machine to serve local people.