A loan of $500 helped to pay for her university fees, books and studying tools.

Hang's story

Hang was born in 1992. She lives in Bac Ninh, the smallest province in Vietnam. She is majoring in human resources management at the University of Labour and Social Affairs (www.ulsa.edu.vn). Her course lasts four years and she will graduate in 2014. Hang is the first person in her family to have graduated from high school and to have a higher education.

Her parents sell personal and household goods to earn a living. Her family’s income is about 10,000,000 VND. Her mother, Huong, sits next beside her in this picture, is also a member of SEDA’s credit program. Hang's family is her motivation and her support in choosing her major. She wants to earn a lot of money so she can support her family, improve her family’s living standards and also pay for her brother’s education fees.

Hang plans to work in the capital of Hanoi or the province of Bac Ninh within the next five to 10 years. She understands that studying helps her to have the opportunity to get a high-paid job and to fulfill her dream of becoming a human resources manager. Hang wants to borrow 10,206,000 VND to pay for her university fees, books and studying tools. This loan suits her family’s situation and income.

The paperwork from SEDA has been fast and convenient to meet her needs. Besides lacking money for her education costs, Hang has other difficulties such as her living costs and transportation costs. Through this program, she wants to tell people that Vietnam is a developing country: they have an amazing youth generation but they are still poor and need your help to give them opportunities to develop their future. Hang appreciates these kinds of programs from SEDA and Kiva.

Loan details

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Loan details