Shamis A. is 20 years old. He lives in district 5 of Kabul, Afghanistan with members of his family. He is a shopkeeper. He has a retail shop in a good area of Kabul. He is a part-time student. He wants to take an individual loan to buy more items like Cokes, bags of chocolate, and sweets. He is young but he wants to expand his business and be a good business dealer in the future.