Ziya is a low-income person from Beylagan. He is 32 and married. He makes seat covers for cars. Ziya's brother helps him to run his business smoothly. He has been in this business for 15 years. He rents a car seat cover shop to run his business. He has borrowed 3 loans from Normicro to expand his business. He applied for $700 to buy raw materials to make car seat covers. This will help him to process clients' orders more quickly.