Mrs Hà is 36 years old and she is married with 3 children. She has had a retail business selling dry food and general thing for more than 10 years. Hà lives in Thieu Hoa district, a rural town in Thanh Hoa province. Her family is a low-income household in village, moreover the market need is low in this region. She has no collateral cause can’t get loan from other banks or credit institutions.
The main hardship that Hà faces is lack of capital. She is requesting a loan to diversify her goods and increase her income by purchasing more types of goods to resell.
In 2009, Hà joined Thanh Hoa microfinance institution to improve her business. Hà has successfully repaid 3 loans from Thanh Hoa microfinance institution. Hà is a reputable person in the community. She never repays late. That’s why she is elected to be the leader of her solidarity group, which consists of 4 members.
With her business profit, Hà hopes for her business to do well, for her children to study well and for her family to be healthy and happy.