Lukaia is 32 years old, a wife and mother of four kids. Three of them are currently in school. She operates a clothing shop and has been selling jeans, clothes, blouses, skirts, women's slippers, dressing bags and headscarves for the past eight years. Lukaia is constrained by funds to run the business. She needs the loan to inject more working capital into the business to scale up business progress. She believes that the loan will help her to be more resourced to purchase good quality and large quantity to upgrade her inventory. She wants to use the loan to purchase jeans, clothes, ladieswear, headscarves and slippers.