Nezat H. is 39 years old. She is in retail business for 9 years. Nizat has a knitwear and ready made clothes shop on the cooperative market of Razgrad. She is running her business alone and yet alone she supplies her shop from wholesale stores in Ruse and Dimitrovgrad. She is famous as an honest and well mannered trader and thus she has a great number of customers. The loan of $ 900 she applies for is going to be used for working capital.