Mrs. Pham Thi H. is 31 years old. She lives with her husband and her child in HungYen commune, Hung Nguyen distict, Nghe An province. She has been in TYM Fund for 5 years. Now her main income is from raising pigs, and her husband’s income is from selling pork. This time she wants to borrow 13 million VND ($775 US) to buy more pigs and food for raising them.