Ngại Nguyễn Thị (100060021) is a 45-year-old female living in the town of Nghi Lộc. She is married and has three school-aged children. To make a living, Ngại owns & operates a business venture in the agriculture sector raising livestock. While not the only means for generating revenue, the main source of income for the business comes primarily from raising cattle for sale. Ngại has been engaged in this business for over eight years and earns approximately 2500000 VND a month from this activity.
In 2001, Ngại joined TYM Fund to gain access to financial services to help improve her living situation and ability to engage in business activities. Ngại has successfully repaid a previous loan of 7000000 VND from TYM Fund. This previous loan was used to purchase baby livestock to raise & sell in the future. Ngại is now requesting a new loan of 10000000 VND, which will be used to purchase breeding livestock. The loan will be the eighth loan taken out by the borrower from TYM Fund. Ngại plans to use the additional revenue generated from the business to improve/expand her business.