B. Dilshod lives in Nau, Tajikistan. He is married and has 3 children. Mr. B. is engaged in the business of selling medicine. He rents a pharmacy in a food bazaar and has a good assortment (medicine that he receives straight from factory suppliers). It is the municipal pharmacy which is why prices for the medicine are lower than normal bazaar prices. Now Mr. B. requests a loan of $1200 to open a homeopathic department.