Ms. Nazaket is a low-income vulnerable woman. She is 42, 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. Nazaket owns a small herd of milk cows. She sells milk in the Saatli bazaar. Her family expenditures are increasing as her children grow. Nazaket plans to increase her number of cattle to make her income higher. This project requires investment. This winter, Nazaket applied for a $1000 loan from the Normicro Saatli branch. She hopes this credit will allow her to change her family life.