H. Nargiz is from Sumgayit city in the Azerbaijan republic. She is 35 years old. She is single but she lives with her parents. Her parents are elderly. She is the only breadwinner of her family. She began her business with $200 in 1995. She keeps busy with retail trade. She started selling a small variety of baby clothes. With this small business and only $200 in working capital, she could hardly earn enough money to meet her family's food and important consumption needs.
Nargiz needs $500 to expand her business. She wants to increase her assortment of goods and to buy additional sorts of goods. She will repay the loan within 12 months. She hopes eventually to expand her business. She hopes that this will improve the living condition of her family.