Zargalam M. lives in Shafag village of Beylagan, a small town in Azerbaijan. She is 45 years old, married, and has three children. Her husband is engaged in animal-breeding. She makes butter, cheese, buttermilk, etc. from the milk of her cows and sheep and sells these products at the Beylagan market. Now she needs a loan in the amount of $600 to expand her business.