Esmira M. was born in 1966. She comes from the little town Jelah which is well known as a very commercial area. Esmira is the mother of three school-aged children. Her husband is a mechanic, and he has garage by his house and Esmira works at home. They are able to take care of their three children and earn enough for their living. Esmira is an accountant for a few little companies and stores at her place. She would like to expand her business, as she has more time now because their children are not so little any more. She decided to buy better equipment and needed materials to be able to get more clients. Esmira takes her second loan (the first was for the beginning of her business) in WWI in the amount of 1500 KM. She hopes to develop her business and provide a job for their children in the future.