Ziver A. lives in Beylagan, Azerbaijan. She sells women clothinig in the Beylagan city bazaar. She has rented a small booth there. Ziver is married and she has three children. Her husband helps her in her business. Ziver has been a client of Normicro Beylagan Branch since 2005. She has borrowed two loans, which total $1,000, from 2005-2006. She used these loans to buy more kinds of goods. Now she needs $1,000 to buy more products to sell.