Vusal J. lives in Beylagan, a small city in southwest Azerbaijan. He is 26 years old and wants to start a family soon. Vusal sells men’s clothes in the Beylagan city bazaar. Vusal would like to buy more fine clothing from the capital city, Baku, as people in Beylagan want to dress more like people in the capital. He doesn’t have more money to re-invest in his business. He has successfully taken out and paid 3 loans in the recent past. He needs $1000 to purchase a range of inventory from the capital.