Inoyat A. is 36 years old. She lives in the high-mountain region of Tajikistan where livestock is the general development business for rural residents. Inoyat is married with 3 children. She works in a collective farm but livestock brings in the family income. It is the family business, so Inoyat helps her husband take care of the animals and she is also engaged in milk-making and selling. Inoyat has worked with livestock for 7 years and she is skilled in this business. She makes sour-milk products that she sells in the local bazaar. Inoyat is asking Kiva for a business development loan of 1000 TJS for 6 months to purchase special milk-making equipment. It will help her pasteurize the milk using modern methods of pasteurization.