Hawa is an elderly mother who lives in hargeisa particularly in M.Mooge IDP settlement, she is a member of Aflax Self Help Group (SHG) that was established on May 2014 which is one of the strongest SHGs that Mudaraba musharaka system was introduced and also applied; after joining of the SHG she was saving regularly and she has taken the investment two times in which she has created a small shop and grocery. Currently she is running her small shop and she has repaid all the investment and also provided 10% of the profit to the SHG, her business is growing up and her life