S. Saodat was born in 1969 in Khujand. She is married and is a loving mother of two children. Mrs. S. Saodat trades women's wear in the local bazaar. She has engaged in commercial service and trade for 12 years, so she is experienced in business and has good skills. Mrs. S. Saodat has not had problems repaying previous loan. She has a good assortment of merchandise, works with straight suppliers, and trades at prices that are lower than other bazaar prices. Mrs. S. Saodat is applying to KIVA for a business development loan of 3100 STJ for 6 months so she can purchase new imported seasonal wear and widen her assortment.