Yashar N. is 54 years old and lives with his wife and two children in the Khachmaz region of northeastern Azerbaijan. He has a small workshop where he repairs cars, sells spare parts and does simple welding jobs. Yashar has worked in this field for more than six years, and would like to increase his income by expanding his business. To do this, he has come to Normicro Khachmaz for a loan of $1,000 to buy tools and spare parts. This is his second loan from Normicro.