is a hard-working, friendly, honest and good-hearted man. He is married, and
father of three daughters, and has a very good job aimed at a fantastic
public. He is running hotel business. With the help of a loan, Muniraj wants to
improve his hotel business, so he wants to invest this loan in the purchase of energy
efficient cook stove, since it is primary needs of his hotel. With the
earnings, he wants to develop his hotel in big manner.