Ingredient:

• 2 tablespoons vegetable oil
• 1 medium onion, chopped
• 1 green bell pepper, chopped
• 1 large carrot, peeled and thinly sliced
• 3 cloves garlic, minced
• 2 (15 ounce) cans black beans, divided
• 1 (14 ounce) can chicken broth
• 2 cups cubed cooked ham
• ½ teaspoon salt
• ¼ teaspoon cumin
• ground black pepper to taste
• 1 cup shredded Cheddar cheese
• 1 cup sour cream