Ali A. lives in Mayack village near Beylagan, a small town in Azerbaijan. He is 56 years old, married, and has four children. He is engaged in sheep-breeding. Ali has ten years' experience at this business. Every Sunday Ali goes to the livestock market of Beylagan, sells some of his sheep there, and purchases other sheep. (Ali is pictured at the livestock market.) He increases his business capital this way. Now he needs a loan in the amount of $800, with which sum he plans to buy a calf.