Reshat M. was born in Varna but lives in Silistra since he was 10 years old because his family moved there. He is 47 years old and has worked as a constructor for over 10 years. In 1996 because of the political and ecomic crisis in Bulgaria he left the country and went to Germany where he has some relatives. There he worked in a fruit and vegatable grocery and when in 2001 came back to Bulgaria he decided to open such a grocery in Silistra. His grocery is in one of the biggest quarters in the town and is always very good supplied. Now Reshat M. applies for a $ 1200 loan which he will spend on a new electronic balance.