Advija is a 45-year-old widow and she receives a pension in the amount of 600 KM. She has two children. This is not her first loan at WWI, and this loan amounts to 1,100 KM. Her intent is to buy poultry for the winter. After some time, when she has fattened them, she will sell the birds and earn money that she will spend on her daughter's needs. She is going to school and she needs additional money for that reason.