Azer A. is a 30-year-old man who is married and has one son. He got married one year ago. Azer lives in Beylagan, a small city in Azerbaijan. He sells building materials. He has rented a small shop and has been developing his business more than three years. He does not have many products in his shop, so he applied to the Normicro Beylagan Branch for a KIVA loan of $600 to purchase more different kinds of goods and to expand his business.