Milka is a 63 year old woman who lives with her husband in the town Derventa. Her husband is a pensioner and his monthly income is 450 KM. Milka is a pensioner too and she receives 400 KM monthly. This is her first loan in the amount of 1,200 KM ($950). Milka wants to use this loan for purchasing seeds, compost and other materials for soil cultivation. She hopes that she will ensure an easier life for herself and her husband, because she will produce vegetables and she will not need to buy it.