Ms. Ghulbadam is a low-income vulnerable woman. She is 54, married with three children, and lives in the village of Saatli city in the south-central flat area of the Azerbaijan Republic in the Caucasus region. Ghulbadam owns a small flock of sheep and some cows. Her son (he is pictured) assists her in selling sheep in the local bazaar. The business is going well but needs some improvement. Ghulbadam plans to increase the number of lambs she purchases to make her income higher. Her family expenditures are increasing as the children grow. Ghulbadam was approved to receive a $700 loan by the Normicro Saatli branch. She hopes this credit will allow her to change her family life.