Ny is aged 57 years and married, with nine children. She is living in a rural village of the Ou dung district. The main sources of family’s income are from rice farming and selling mats in the village, which she and her husband have been in for 39 years to make a living. She can earn about USD 14 per day to meet the family’s need. Ny is just with VisionFund this cycle. Now she is applying for a loan. Ny is going to pay her son’s university tuition, in the faculty of Management. She hopes this loan will enable her to keep her son in the university.