Twenty-four-year-old Alma M. comes from Banovići, where she is married and the mother of a four-year-old child. Her husband is self-employed in transport while Alma is a housewife who keeps busy in her garden. As well, she raises sheep, earning income through the sale of sheep cheese.
Alma wants to improve her business by buying a calf that, when grown, will provide her with milk both for family consumption and sale. For this reason she is requesting a loan of $725. This loan will contribute to a better life for Alma and her family.