9 cycles with EKI. The family of Sarvan from Modriča has been engaged in agriculture since they inheritet it from their elderlies, and decided to continue the tradition. Mr. Osman and his family currently own 16 cows and process 200 dunums of land. They use their own machinery for processing. Considering that the situation in agriculture is very difficult, and that the expenditures are large, and the income is small, Sarvan family survives due to experience, heritage, and long-term work model. They state that they would not succeed without the EKI loans which searved them for expanditure of the live stock fund. After that, they raised a second loan for the purchase of tractors, then for the pre-material, and for the roll press.