Bairam S. is 29 years old. He is single and lives in the village of Muldava, near Asenovgrad. Bairam has had a farming business since 2000. Then he has bought a cowshed from the previous state agricultural company in Asenovgrad and started breeding cows. Now 6 years later he has 23 cows in his farm. Because the cowshed is old and needs repairs Bairam S. applies for a $1200 loan. He will refit the cowshed roof and will build some partition walls to separate his cows.