T. Farhod is 34 years old and he is married and has 3 children. Mr. T. started his business from scratch 7 years ago. Now he has his own trade outlet in the flea bazaar thanks to some business development loans from MicroInvest. Mr. T. is engaged in selling beauty supplies; (hair dye/tint, creams, shampoo, soaps, scents and etc). He has a large assortment and many repeat customers. Now Mr. T. requests the loan of 2500 STJ to grow his business and increase his inventory because he has stiff competition.