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Lin tai tro cho Thien Chi

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Nguyen Thi Bay is 51 years old. She is a single mother! Her’s family includes 4 children and 1 grandson. After divorcing with the husband, her eldest daughter and her son came back Bay’s house for living. Her second daughter is the student of a college in HCMC. The third daughter is attending high school at grade 10. The last-born son is attending primary school at grade 2 and the grandchild is in kindergarten.

All burden of the family put on Bay’s shoulder. But she has a medical condition with variety of diseases of sinusitis, heart, vestibular disorders and kidney stones and requires daily medication. To have money to pay schooling, her family had to borrow 5,000,000vnd ($US227) from outside with high interest rate of 5%, and more than 30,000,000vnd ($US 1,363) from student-loan resource by government.

This family commenced in the Thien Chi’s micro loan in September 2014 when they were only earning a total of 380.000vnd (US$17) per person per month. Despite struggling with diseases, Bay always tries her best to work hard. Her biggest expectation is to be able to afford let her children attending school.

A special reason we support for Bay’s family is her spirit of escaping poverty and always hardworking. Besides that, Bay is very interested in improving her knowledge through taking part in our trainings enthusiastically. Until now we offered her with the trainings on techniques to take care for dragon trees and health trainings.

At the first time, Thien Chi issued a micro loan of 1,000,000vnd (US$46) per cycle (each 5 months) to this family to purchase fertilizer to take care for their 135 dragon trees. Thien Chi has also provided education scholarship of 1,000,000vnd ($US 45) annually to assist in keeping the children in school.

After 5 cycles (2.5 years), the family is now earning 572,000vnd (US$26) per person, per month. The amount of loan has increased to 3,000,000vnd ($US136). This loan is not only used for dragon trees but also used for Bay’s small business. With desire of earning more money to provide for her children’s schooling and repay the debt, Bay decided to use a part of loan to buy and sell vegetable in the front of the house. Besides earning from dragon trees, her family now has more income from small business with 100,000vnd per day ($US4.5).

In Jan. 2017, after the survey and deep discussion, Thien Chi decided to provide Bay’s family a swapped loan of 5,000,000vnd ($US 227) to help them decrease the amount of debt with high interest. This is a kind of special loan (the amount from US$ 227 to US$ 455) which is only provided for the special poor households who have the debt with very high interest and with positive factors such as: Hardworking, spirit of escaping poverty, schooling for children, repay loan on time, engagement by village workers and local authority…

Visiting Bay’s house in one recent day, she was glad to say that “My second daughter is about to graduate the college, I hope she will get a good job. My house has been fixed for better condition…Thank to Thien Chi’s support, my family’s financial situation has improved and we paid a part of debt. I will try my best to repay the loan regularly. My family still struggling but I am happy because my children continue attending schools”.

His wife (47 yrs) also has a medical condition of low blood pressure and requires daily medication.  As she cannot afford health insurance, this medication is expensive.  His wife often works casual 11 hour shifts at the local dragon fruit packing factory if work is available and if she is well enough.  With her medical condition, she becomes very tired and gets severe headaches. 

They have 2 children – one is attending school in grade 7, and the older son (18yrs) is now working.

Mai commenced in the Thien Chi microloan program in 2012.  At the time, the household was only earning 312,000 (USD 14.20) per person per month. 

Thien Chi has issued Microloans of 3Mvnd (USD 136) per cycle (each 5 months) to this family to purchase fertiliser for their dragon fruit trees.  Without this fertiliser, the trees would not provide the fruit for sale.  After 11 cycles (5 years) the family is now earning 667,000vnd (USD 30.10) per person, per month.  They have always managed to pay back the microloan each cycle and now have 300 dragon fruit trees (4 years old) which are now producing fruit.  Dragon fruit sells for between 10,000 – 15,000 vnd per kg, provided the trees are well fertilised and looked after.  Both Mai and his wife are doing a good job looking after the dragon fruit trees.

This family has also purchased a cow for 13M vnd (USD 590) with a loan from the local Women’s Union.  They still owe 12Mvnd but have been able to obtain a low interest of 200,00vnd (USD 9) per month.  A calf has just been born and they intend to breed the cows for a couple of years before selling calves to increase their income.

Thien Chi has also provided Education Scholarships of 500,000vnd (USD 22.70) annually to assist in keeping the children in school.  Assistance was also provided to install a latrine in the family home (500,000vnd). Despite the health issues of Mai and his wife, they both continue to work hard to provide a stable income for the family.

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