Ms. Gultekin is an IDP from the occupied Fizuli district of Azerbaijan. She fled to Baku in 1993. She is 38 and single. She started her private business in 2005. To increase her selling, she needed to be funded. The only source of credit at that time in the location she worked was Normicro LLC. In 2006, she applied for a $300 loan and after repaying it she applied for a second loan of $600 in 2007. Now she plans to get a third loan of $700 to buy a new cash register.