We visited Djerdji Merdjanovic and her husband at her home on Friday 13 April 2012. They live in Hadzici to the west of Sarajevo. Their home was largely destroyed during the war and they rebuilt it themselves with some help from a German aid organisation for the windows. They were refugees in Germany during the war. At the end of 2011 Djerdji received her second loan from the microcredit foundation ‘Zene za Zene. She has made the first few repayments without any difficulties. Her first loan was actually much larger and she used it to build a rough extension to her house where she keeps chickens. She used her current loan to part finance the purchase of a van. Djerdji and her husband have some land on a steep slope next to their home where they have various income earning activities. Their most unusual activity is raising and selling worms for bait to local fish shops. Although they had Californian worms, currently they are experimenting with other varieties. They provide free samples to the fish bait shops and thereafter take orders. They have various containers around their home with insects and worms in various stages of growth. They also make and sell compost – usually they charge just 1KM (around 40 pence) for a 2 kilogram bag of compost. They keep several large containers of compost on their land. More conventionally, they keep 120 or so chickens which are free range and provide eggs and meat, she keeps four goats and makes cheese from their milk, several rabbits which are sold for their meat, as well as turkeys and geese. Additionally, they have a greenhouse where she grows and sells vegetables such as tomatoes and cucumbers. They were pleased to hear of interest in their business from one of the lenders from lendwithcare who provides worms for bait in the UK, who offered advice free of charge.