Wang Xi Ling, a recent borrower,  took out an RMB 2000 loan to purchase 5 piglets.  She is a subsistence farmer of 2 mu of cotton and 9 mu of corn.   She, her husband and daughter consume much of the corn that's grown.  However, she expects fo earn an additional RMB 700 when she sells the pigs after raising them for 6 months.  This second source of income will improve the family's living standards and hopefully send her daughter to higher education. 

Sun Juan left college to take care of her ill parents.  She first took out a loan of RMB 1000 to buy vegetables which she cooked and sold in her street-side store.  After repaying this first loan, she took out a second loan of RMB 3000 to enlarge the vegetable store.  From being unemployed, she is now able to support her extended family on earnings of almost RMB 24,000 a year. Sun Juan lives with her husband and a young child.

Cao Ling Xia lives with her husband,  two children,  and a 72 year old parent.  With her RMB 2000 loan, Cao is raising 1500 chickens, including 800 laying hens, and farms 4 mu of cotton.  She used RMB 1200 to buy feed for her chickens and RMB 800 for cotton seeds and fertilizer.  Her net increase in income from the loan was RMB 2500, or about 20%.  She plans to use the additional money to provide better health care of her elderly parent, to expand her chicken business, and to plant additional cotton.

Cheng Ling Ling lives with her husband, two children and her 70 year old mother.  She used her RMB 2000 loan to buy seed, plastic ground covering, fertilizer and pesticides to cultivate an additional 6 mu of cotton.  This resulted in a net increase of RMB 3220, or 34%more than her pre-loan income.  She plans to use the additional income to pay for school fees for her children and to buy bricks for building a better house.

Fu Cai Ling farms 3 mu of cotton and 5 mu of peaches.  She took out a RMB 2000 loan to  buy fertilizer and seeds for the cotton;  and fertilizer and pesticides for the peaches.  She was able to earn an additional RMB 3070 with the loan,  a 36% increase in her household income.   Fu Cai Ling's household includes her husband, two children and a 77 year old parent.  She intends to use the additional income to send her children to school,  to fertilize the peach trees in the winter, and to buy additional seeds.

Liu Bao Li lives with her husband and has one child.  She has planted 10 mu of cotton and 2 mu of corn.  She borrowed RMB 3000 to buy seeds, fertilizer, plastic ground covering and to rent a plow machine.  With the loan,  she was able to increase her net income by RMB 2730, or 27% more than her pre-loan income.  She plans to use the additional money to send her child to school and buy more fertilizer.

Shao Shu Hong lives with her husband and two children.  Her business includes cotton farming, weaving, and a small stall for selling her goods.  She borrowed RMB 1000 of which she used RMB 500 to buy supplies for the stall, and RMB 500 to buy seeds and plastic ground covering for 10 mu of cotton.  This resulted in a net increase of RMB 3700, about a 44% increase from her pre-loan household income.  The additional money will be used to invest more in her small stall business, to buy bricks to fix up her house, and to buy fertilizers for the next season.

Yang Feng Xia is a widow living with three children and a 78 year old parent.  She took out a RMB 2000 loan to add three mu of pear trees, to buy individual bags for her fruit, and to irrigate her farm. She earned an additional RMB 5820 with the loan, which is an increase of 47% from her pre-loan income.  The additional income will be used to fertilize the pear trees in the winter, to improve irrigation further, and to send two children to school.