Margaret is a 42-year-old married mother of two daughters, one of whom is in senior high school while the other is in junior high. She lives with her children and husband in a rented apartment in a commercial town. Margaret is a hardworking woman who works to support her husband take care of their household. Margaret runs a provision store by the street where she sells groceries such as Milo, sugar, rice, candies, bread, etc. She has been in business for five years now and wants a loan to buy more groceries to expand her business. Margaret believes in education and hopes to give her children the best education she can afford.