In the Grameen story, Sufiya is a villager who is working with a middleman to finance her business. Which of the following is true about her arrangement with the middleman?

a. The middleman charges Sufiya 20% interest per day on a loan

b. The middleman trains Sufiya to make bamboo stools

c. She earns enough money from the middleman arrangement to start her own business

d. She has guaranteed income from the middleman if she borrows from him