Mrs. Nguyen Thi M. is 47 years old. She joined TYM Fund in 2002 and borrowed VND 1 million to invest in farming. At present, her family has a big lemon garden with an income of VND 15 million/year. Besides, every month her husband works as a builder helper in his spare time. With these sources of income, she repays her loans very well. For the next loan cycle, she is applying for VND 4 million to buy more young lemon trees and fertilizer for this business.