Total loan: $1,800

-Happiness Group

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04 Hạnh Phúc, Hà Giang, Vietnam / Retail

-Happiness Group's loan finished fundraising,
but these similar borrowers just need a little more help to reach their goals!

A loan helped to purchase sugar, milk, salt and general things to resell.

-Happiness Group's story

Mrs Liên is in the center of the photo. She is 55 years old, married with one child. Liên's family lives in a small house in the village in Thanh Hoa city, an urban town in Thanh Hoa province.

In this group, Mrs Liên's circumstance is the most difficult as her husband passed away a long time ago and she must work hard to keep her orphaned niece in school and foster her old and weak mother.

Mrs Liên's main income is from her general stall where she sells sugar, milk, salt and other things.

The main hardship that Liên faces is a lack of capital because she has no collateral and can't get a loan from a bank or credit institutions.

In 2014, Liên invite her friends and neighbors to create the "Happiness" group to get a loan from Thanh Hoa microfinance institution.

She has successfully repaid one loan and is now requesting a loan to purchase sugar, milk, salt and general things to resell.

With her business profit, Liên hopes to keep her niece in school, for her family to be healthy and happy, and to remodel her house.