Mr. Jalal is a vulnerable, low income person. He is 23 and lives with his people in the village of Saatli town in the south-central flat area of the Azerbaijan Republic in the Caucasus region.
Jalal owns a herd of cows. Every day he grazes the cows starting early in the morning while his mother sells milk in Saatli town. He started this business as a child because milk selling is their family business. The work is quite profitable, but takes a lot of time and effort. There is a need to widen the cow-shed. It is not so expensive, but Jalal has no money to provide for this project. That is why he has applied to Normicro Saatli branch to get a $500 loan. If he could make his cow-shed bigger, he could have more pedigree cows, and hence, a higher income.