Nakhayat is 29 years old. She is a local resident of Saatli town. She is single and lives with her people. She breeds cattle with her brother (he is shown in the picture). They have been engaged in this business for 13 years. She raises calves and sells them alive to the local market or to butcheries. She also sells milk and other dairy products. She wants to buy two more calves to add to their livestock. She has applied to the Normicro Saatli branch for a loan in amount of $700.