Sahibe is 41 years old lives in the Aghsu region of north-east Azerbaijan. She is married and has three children. She rents a shop in Aghsu and sells foodstuffs. She has been in this business for two years. As her business is rather new she wants to increase the variety of goods to be sold and to develop the business. She applies to Normicro to borrow $500 to invest in her business.