Mongolian_winterToiv’s SHG members expressed confidence in his and his family’s ability to generate income and repay the loan. Toiv and his family plan to use the loan to buy raw materials, such as steel and scrap metal, and to test small-scale promotional activities to attract more customers. In addition to taking their first business loan, Toiv and his family worked to plant vegetables and wheat this spring for the first time, planning to use their harvest for both subsistence and supplemental income.

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