Mr. Khudaverdi is a low-income vulnerable person. He is 46, married with three children, and lives in the village of Saatli town in the south-central flat area of Azerbaijan Republic in the Caucasus region. Khudaverdi sells milk in the local market but the market's demand is much higher than Khudaverdi can offer. That's why he applied for $1000 loan from the Normicro Saatli branch. Khudaverdi plans to buy one pedigreed cow. It will increase his monthly income and let him to send his daughter to school this autumn.