Mrs. N., 28, is a rice farmer, while her husband, Mr. Houy, is a carving-wood seller. The young couple has two children, and both are still young. The parents both work hard every day to support their own family. Her husband carves wood from the forest and sells to customers by transporting to customers' home. He uses a buffalo cart to transport but he rents it from a neighbor.
To reduce the cost for renting the cart, N. would like to ask for a loan to purchase two buffaloes to use as transportation.