Ferize H. is 49 years old. Previously he has worked in the mining industry but 10 years ago the mining company was closed so he had to start a business to take care of his family. He started a retail business. He opened a stall on the town market and sold clothes on it. Two years ago his wife took this business and he started another business – taxi driving. Now in the mornings he helps his wife on the market stall and in the evenings he is on the street with his taxi. Ferize H. needs $1200. This money together with his own savings will help him to exchange his car to a newer one.