Umarboi U. lives in B.Gafurov Rayon; he is divorced and has 2 children. He has been a client of MicroInvest since 2005 and recommends himself as a serious executive client who trusts the MicroInvest loan procedures. Loan sums are permanently increased to those who show business stability and an income increase. He is engaged in commercial and trade service. Mr. U. has a business in rice selling. He has a straight supplier that allows him to sell rice at a price that is lower than the bazaar price. He is very polite, which is why he has permanent clients who want to buy only his goods. Umarboi U. is very experienced in the business, but he has tough competition, which is why he wants to widen the existing assortment of goods. Now Mr. Umarboi U. requests a loan of 1,600 TJS (US$475) for business development and to widen the assortment of goods.