Gladys is 31 years, married and a mother of two kids who are currently schooling. She lives with her family in a rented apartment. She is a petty trader who has sold lace clothes, lingerie items like brasieres, other underwear, etc. for the past six years. She requests the loan to augment her working capital to buy more stock of lace clothes, slippers, lingerie, and dressing bags to sell. She believes the loan will enable her to raise more income to support her family.