Lucy is 32 years old and a divorced mother with three kids. All the kids are currently in school. She says selling jewelry is very profitable and therefore has been selling jewelry in the local market for three years to support her family’s needs. With the loan, Lucy wants to buy an increased supply of jewelry to increase her inventory and sales for a good income. She believes this loan would help her save some money to start paying part of the children's school fees and utility bills. She is a member of the group called ‘God is the best’.