Mrs Hòa is 38 years old. She is married and has three children. Hòa lives in Tinh Gia district, a semi-urban place in Thanh Hoa province. She has worked in aquaculture, raising marine plants or animals, for five years. Her family is a low-income household in the village; moreover the income from this business is not high enough to do what she really needs to have comfort in her life.
This is her first loan from Thanh Hoa Microfinance Institution. The main hardship that Hòa faces is a lack of capital. She is requesting a loan to pay for tuition and school supplies, and an electric bicycle for children.
With her business profit, Hòa hopes for her business to do well, to make enough money to provide for her kids, and to be able to buy more supplies and equipment for her business.
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