Sali A. is 38 years old and lives in the village of Sinia voda (Blue water), near Razgrad. He is married and has two sons. Razgrad region has a very high level of unemployment and so Sali started own business. Four years ago he opens a saloon in his native village but soon he has to close it because of the poverty of village people. Later he decided to start an agricultural business. He has 8 hectares of land and rents 22 more hectares and grows vegetables, strawberries and raspberries. Now he needs some financial help to buy plastic covers for his greenhouses. The loan amount is $1200.