Napsiah is a 37 years old woman with three children. She has a small shop from which sells rice, snacks, vegetables etc... She usually earns US$10 per day. Her husband, N., has no fixed income. Napsiah requests a IDR 700,000 loan to buy some goods to fill her shop. She is a member of MBK and is willing to repay this loan within a period of 12 months.