Džemila lives in Lukavica, a small village near the town Živinice. She is married and her husband has a full-time job as a driver for a local company. His salary is about $300 a month. They earn another $300 a month by selling milk to a local dairy. Dzemila has applied for her second loan from MCO WWI, and plans to use this loan to buy another cow for her farm and thereby increase her family's monthly income.