Heat the teaspoon of oil in a medium sized, heavy pan.
Add the chopped onion and cook for about 3-4 minutes on medium heat, stirring occasionally, until the onion begins to become transparent. Add the minced garlic and continue cooking for another 1-2 minutes.
Add the refried beans and stir the onions and garlic into them. Heat the mixture.
Cover and cook 3-4 minutes on medium-low heat.
Heat the flour shells directly over the stovetop, in the microwave, or in an ungreased pan.
Add small handful of shredded cheese.
Then add 1-2 large spoonfuls of refried bean mixture to each shell and 2 spoonfuls of rice and 1 spoonful of salsa.
Then fold the shells.
Cook on medium heat on ungreased pan for 3-5 minutes or in microwave for 1 minute.