Georgina is forty-six years old and married with five children, a boy and four girls, who are currently in the senior high, junior high and primary school. She lives with her husband and children in a rented apartment in their town. Georgina trades in second hand clothes. She buys the clothing from cities and with "hawk" selling strategy, reach her loyal customers to sell. She also treks to other towns to sell on their market days. She has been in business for six years and wants a loan to buy all bales of used clothing in bulk to expand her business. She wants to give her children a quality education and to improve upon her standard of living.