Raig lives in the town of Sumgait together with his family - his wife and two children (a son and a daughter). He has been engaged in trade for 10 years now. He rents a small shop where he sells shoes of all kinds for men. He applied to the Sumgait branch of Normicro for his second loan now - the first one was successfully repaid in due time. He needs $1000 for 12 months in order to enhance the variety of shoes offered to his customers.