Suvada was born in 1990 and lives in Živinice. She is married and her husband is a full-time employee with a monthly income of 600 KM (about US$ 485). Their additional income is from her brother-in-law who lives with the family and brings in 320 KM (about US$ 250). Suvada has one child, 3 months old. She wants to use this loan in the amount of US 825 for buying a heifer, in order to improve their livestock reserves from which they have significant monthly income.