M. Elshan is 45 years old. He was born in Sumqayıt City, which is located in eastern Azerbaijan. He is the father of two children. M. began his business with $300 in 1996. At first, he sold only children's clothing, but the income wasn't enough for more than his family's basic, subsistance needs. He had difficulty covering expenses for medication, clothes, school etc. He now sells a wider variety of clothes, and is requesting a loan for $700 so he can increase the amount of space he has for his merchandise. The more items he can stock, be better is his income. Expanding his business will improve the living condition of his family. He will repay the loan in 12 months.