Akif is a resident of the town of Beylagan. He is 42 years old and has three children. In 2006 he started his own business and has built a shop where he sells food items. As this is the only source of income for his family he wants to develop the business. His market is quite new and he has little capital of his own to develop the business. He wants to organize his shop and buy a counter regrigerator where he could store dairy and meat products. He applied to Normicro Beylagan branch for the first time for his loan of $600.