Fatuma R. is a Tanzanian entrepreneur and a married woman. She runs a clothing shop with both new and second-hand clothes at Buguruni ward in Dar es Salaam. Business goods are purchased from Kariakoo wholesale shops at the city market business center and second-hand clothes are purchased from Karume second-hand goods city market center and sold retail to customers at Buguruni. She has been in the business for three years and her plan is to open and run a wholesale clothing shop. She needs a loan of Tshs 1,200,000 to buy more business goods.