Zarifa S. lives in Ashigli village of Beylagan, a small city in the south-west of Azerbaijan. She is 43 years old, married and has 3 children. She is engaged in cattle-breeding. She borrowed 3 loans from Normicro Beylagan Branch totaling $1700 and increased the number of her cows. Now she needs a $300 loan to buy grass for her cows for the winter months.