Mrs. Nguyen Thi C. is 51 years old. She has 3 children. They are workers. In 2001 she joined TYM and borrowed 2 million VND ($120 US) and invested in raising farm animals, but now her main income is from selling clothes and her son’s salary. With an income of about 3 million VND ($175 US) per month, her family’s life is getting more and more stable. This time she wants to borrow 15 million VND ($900 US) to invest in her business and raising farm animals.