Yulduz is 41 years old and has three children. She and her husband are hard-working entrepreneurs who sell women's clothing and haberdashery. This is their only source of income, because other types of jobs are hard to come by in this area. She and her husband acquire their goods at wholesale markets in Istaravshan and Tashkent (the capital of Uzbekistan) before selling them in Spitamen. Yulduz received her first loan from Microinvest three year ago, and used it to increase the supply of items she had for sale. Her business benefited greatly from this loan, which is why she has applied for a new one to continue the expansion of her business and her family's income.