Shaban A. is 46 years old. He has had his own auto-repair business since 1993. Before that he worked as a auto mechanic in another garage but decided to set up his own business. He first used a rented hall for his workshop but this hall was to small for the great number of clients he got so two years ago he received a bank loan and bought a plot on which he built his new larger garage. Now he needs some more money to finish upgrading his garage. The loan amount is $1200.