Eliana R. is 40 years old. She graduates her education in Moscow and lives there for nine years. There in Russia she first sees this kind of internet phone calls using which every citizen of foreign country cal call home on good prize. In 2002 she comes back to Bulgaria and starts this business. Bourgas is a resort town and many foreigners come there durin summer months so it is a good place for this kind of business. This loan she applies for she wants to use to install a new kind communication line for phone calls to Germany.