Sabir A. lives in Ashigli village of Beylagan, a small city in south-west Azerbaijan. He is 45 years old, is married and has five children. Sabir is engaged in sheep-breeding. He has 15 years experience in this business. He has been a client of normicro since 2004. His son helps him at his job. Every year Sabir borrows loans and increases his business. He wants to buy more sheep, so he needs $600 to buy 7 sheep.