Mohammad Karim lives in district 13 of Kabul, Afghanistan. He is educated and married. He is a shopkeeper, and he has a shop for making sweets. He has a lot of experience in his job. He did this business for a long time in Iran and Pakistan. He has lots of workers in his shop. Now he wants to open another shop in another part of Kabul, so he wants to take an individual loan to purchase all of his supplies and expand his business. He is happy with this loan.