Makhbuba is a low income vulnerable woman. She is 39, married with three children and lives in the village of Saatli town in the south-central flat area of the Azerbaijan Republic in the Caucasus region.
Makhbuba and her husband (pictured) have a scant herd of milk cows and sell 60 liters of milk per day to the local milk processing shop and super market. The trade is good and Makhbuba can see that she could sell more milk. This requires more cattle in the herd and so Makhbuba decided to buy a calf to breed to increase monthly income. She applied for a $500 loan to Normicro's Saatli branch for the purpose to buy a calf and increase the number of cattle in her herd.
Note from Normicro Staff: Families the in Azeri countryside are usually male-dominated and, oftentimes, men do not allow people to take pictures of their wives. Looking after cows, harvesting, feeding stuff for cattle is done mainly by men yet the business is the wife's and the loan is requested by the wife.