Muzaffar is a father of three children. He is 36 years old. He started his business 10 years ago, after he lost his job at the factory. At the beginning, he was helping another entrepreneur. Over time, he collected enough money to rent his own place and sell food products. He often says that no matter what happens, people will always buy food. Therefore, he chose to sell food instead of another type of goods. The location of his business is in a main market of the town- “Panjshanbe”. It is a closed market, and he thinks he is lucky to have a comparably comfortable place of work. He will use the loan to expand his business and purchase a bigger volume of goods.