During all his professional life Ivan S. had been working as a driver. But in 2001 he and his wife lost their jobs. Then he started own business. Ivan rented a hall and using his wife’s professional experience he started a small confectionary workshop. Ivan’s special products are biscuit cakes. Production is not so large but is sufficient for Ivan and his family. Now Ivan needs a $ 1200 loan to buy a new special oven and to increase the variety of candies that he produces.