Microcredit -family profiles

Tanh Linh:     Micro Loan  3rfamilyprofiled cycle - 3.8M VND (approx USD190)  The husband has a  lung disease and cannot perform any heavy work. His wife is now pregnant, and also unwell, but works some hours in the local cashew nut factory. She earns approx 60,000VND per day (USD3.00) when she works. They have a son in year 8, and Thien Chi has been supporting the family with an education scholarship for 3 years to ensure he continues at school. The husband is using the micro loan to raise chickens.  As he has no prior experience, Thien Chi has provided him with training to acquire the technique and skills to raise healthy chickens.  They are now 3 months old and will be ready for sale in another month.



Ham Thuan Nam:  Micro Loan:  1familyprofile2st cycle - 1M VND (approx USD50)
This wife has inoperable liver cancer and her husband has a stroke which has left him with some brain damage and unable to work.  They have sold their dragon fruit farm to raise money to pay for her expensive medication  - 1M VND  for a 3 month supply (approx USD50).  Although they remain living in their house,  the new owner has told them they need to move within the next year as he wishes to plant more dragon fruit trees.  They have 2 unmarried sons, 32 and 29 years old.  The older son has a mental disability and is only able to work when he is well.  The younger son works away from home and doesn't want to get married as he worries who will look after his parents.  The micro loan from Thien Chi has  allowed the wife to purchase 100 ducks.  Unfortunately, 40 of these contracted a disease and died, and a further 30 have been sold to purchase more medication. She is currently raising the 30 ducks and selling eggs to supplement their income.  The husband makes rice wine at home generating income of approx 30,000VND (USD1.50) per day. The rice waste from his wine making is used to feed the ducks which makes them grow quickly.  They worry what they will do next year when they have to move from the house, but the wife explains: She and her husband are happy.  He looks after her, and she looks after him.

Duc Linh:  Micro Loan: 6th cycle - 6M VND (approx USD150) This family consists of a 41 yr old father with Tuberculosis who is currently in hospital, his 36 yr old wife and 4 children aged 9 - 17 yrs.  The eldest son has an intellectual disability and now lives with his aunty, and the 13 yr old son has been diagnosed with a heart condition. The 3 younger children are all attending school with the help of an Education Scholarship from Thien Chi.   The micro loan is used to raise piglets for sale.  The 5th cycle loan was also used to raise pigs and a profit of 1,334,000 VND (approx USD63.50) was made.  The wife is also supplementing their income by weaving baskets (18,000VND - USD.85c per day).  Although this family is making progress they are still extremely poor and Thien Chi will be continue to help them past the recommended 6th cycle loan.  Staff are concerned the mother and children may have also contracted the lung disease, however, the family cannot afford to undergo the medical tests needed.  Thien Chi is currently  mobilizing some community support to organise these health checks.