Mr. Vusal is a 28-year-old farmer. He lives with his family in Saatli, situated in the central part of Azerbaijan. He started his business in 2001, when he purchased one cow with money he had saved up. The income from this business is not enough to cover all the family and business expenditures. Vusal purchases calves, breeds them, then quarters them before selling them to the butcher who works in the big local market. To increase the profit margin from the selling, Vusal has to invest some money to make his small herd bigger. His application to Normicro Saatli for $500 loan is approved already. He hopes eventually to expand his business with this loan.