Željka lives in the town Foča with her 11-year-old child who attends fifth grade at primary school. She is a widow and she has monthly pension in the amount of US$ 380. This is her third loan through MCO WWI . Željka intends to use this loan in the amount of US$ 975 to buy material to make handicrafts. She is going to sell her handicrafts in order to expand the business and increase their monthly income for her and her son.