Jana G. is 52 years old. She is married and has two sons who live in Varna now. Her husband is unemployed. Jana has a master degree in economics and has a long professional experience as an accountant. In 1995 she loses her job and starts her own accountant services business. Now she consults over 85 small and medium companies. This business is the only source of income for Jana and her family. Jana G. needs a 1600 loan to buy some new office furniture and a computer for her business.