Mrs. Hoang Thi N. is 43 years old. She joined TYM in 2002. She has five children, three of whom are grown up. Now her family’s main income comes from raising chickens, a grocery shop, and her son's salary. With sales of 12 million VND ($720 US) per month, her family’s economy is developing. In the next loan cycle, she wants to borrow 20 million VND ($1,175 US) to invest in her grocery shop and buy more chickens for raising.