Zakir is 38 year old local resident. He has a place in market place where he sells drugs for veterinary use. He is engaged in this business since 2002. Since 2003 he is the active client of Normicro Beylagan branch. He borrowed 4 loans, first in 2003 amounting to $500 and last one amounting $900. Now he wants to take another loan to increase the volume of sales.