Gursel H. is 42 years old. He is married and has three children. Gursel has graduated transport shool and has worked as a bus driver for more than twenty years. In 1998 he buys an old bus repairs it and starts own transport business. Mow he has four buses and transports people from Kardjali to the villages in the area. Gursel need a $ 2 000 loan to repair one of his buses.