Gulkhanim is an Internally Displaced Person from the Aghdam region located in the south-east part of Azerbaijan. She and her family were relocated to the Ahmadli settlement of Baku city as a result of the Armenian-Azerbaijan military conflict over Garabakh. She is married and has four children. In 1997 she started selling household items such as small carpets, table covers, etc to overcome the hardships of life as an IDP. She travels with goods or she receives orders from her clients and takes goods directly to those clients. She sells goods from her house as well. She has been in this business for more than 10 years. She now wants to increase her volume of sales, invest more in her business and increase her income. She has had two previous loans from Normicro Baku branch. Now she has applied for a loan of $850 to invest in her business.