Mr. Ghencea currently owns .36 hectares of vineyard and 2.5 hatares of arable land. On the arable land, Mr. Ghencea grows cereals which he sells in the agricultural market. The harvest of grapes he sells to the exporters of table grapes. A portI. of the grapes he brings home to produce wine that he sells during difficult financial periods. He has run such types of activity already for 8 years. He requested a loan from Microinvest to purchase seedlings. Business is profitable, but the applicant wants to increase the profitability through new seedlings.