C. Elshan was born in the Azerbaijan- Armenian conflict region Gubadli, situated in the western part of Azerbaijan Republic in the Caucasus region. He is 40 years old and the father of three children. Right now he lives with his family in Sumgayit city, situated in the eastern part of Azerbaijan. He is homeless and staying in a worker’s hostel in Sumgayit city. Elshan opened his business in 1997. He started selling a small variety of vegetables in front of his hostel. With this small business and only $200 in working capital, he could hardly earn enough money to meet his family’s food and important consumption needs. Now, he wants to borrow $800 to open a big vegetable section at his counter and he thinks this could improve the living conditions for his family.