Ziyafet V. is from the Jorat settlement of Sumgayit city in the Azerbaijan Republic. She is 37 years old, married and the mother of three children. She is busy with trading a small variety of industry goods and different sort of retail things. She began her business with $200 in 2003. With this small business and only $200 in working capital, she cannot earn enough money to meet her family's important consumption needs. She wants to rent a space in the trading area in the central market and increase the assortment of her retail trade. She has already gathered some money for it. But it is not enough, so she needs to borrow money.
Ziyafet needs $300 for expanding her business. She wants to increase the assortment of industry goods and to buy additional kinds of retail goods. She will repay the loan within 12 months. She hopes eventually to expand her business. She believes that this will further improve the living condition of her family.