Samir is a refugee from Armenia. He fled to Azerbaijan in 1988. He is 24 years old and still single. He started his car repair business 4 years ago. During these years, he found that his car repair business helped enrich his business skills drammatically and could also earn something to help his family. Samir is a first time borrower and is requesting to borrow $1,100 to buy spare parts for serving clients flexibly without delay.