Mohammad Zahar lives in district 10 of Kabul, Afghanistan. He is married and the father of two sons; he lives with his own nuclear family. He has a retail shop, a business he started 6 years ago in Kabul. During these last few years, he has attracted a goodly number of customers. Now he wants to further develop his business so he would like to take a small loan to buy extra products for re-sale, such as shampoos, baskets, chocolates, etc. to complete his stock. In that way, he will be able to make a good income to help his family for whom he is the sole breadwinner. He is grateful for this opportunity.