Victor is a 21 year old young man, single, and has no kids. His business is a bakery.
He has both virtues and defects. He lives his life as he sees opportunities, and he doesn't ask for help if he doesn't need it. He runs his business in the area calle Vino Tinto or Red Wine, which is on a hillside of the town where the streets are on steep slopes.
Victor has a clear and friendly look and every phrase he utters is one of union and fraternization as his mother tongue is Aymará, however he has almost forgotten this because he speaks Spanish.
He lives in his parents' house, which is made of adobe and has drinking water and electricity, but isn't connected to the sewage system because it is remote.
His business is a bakery, work that he learned because he loves cakes and deserts and because he has the goal of not being dependent on his family. He runs his business in space that her rents where he has a kneading table and utensils. He works making the cakes and delivering them to his customers such as the stores in the neighborhood, tea shops, and to passers by.
"I have lost opportunities because I don't have the machines I need for the work", he comments.
His business is successful because he delivers to customers at their work. The advantage that his business has is that he receives orders and sells to retail stores. The disadvantage is the lack of machines in the bakery. His dream is to have a large bakery. He wants to buy a kneading machine. This is his first loan cycle with the institution in the year that he has been doing this work.
This is why Victor is requesting a loan to buy a kneading machine so that he doesn't loose sales opportunities at his bakery.