Ms. Zarifa is a low-income, vulnerable woman. She is 56, is married with three children and lives in the village of Saatli town in the south-central flat area of Azerbaijan Republic in Caucasus region. Zarifa owns a herd of milk cows. Every day she sells milk to the local milk processing shop. Her children help her to breed cows. The income from four cows is too low to support the family, and not enough to buy more of cows. That’s why Zarifa applied to Norwegian Microcredit Saatli branch for a $600 loan, to buy one more purebred cow to make her monthly income higher. The price of a milk calf is $400; the cost of breeding is $100. The other $100 she plans to save for unexpected expenditures.