Nyiva is 31 years old and sells children's clothes to walk-ins and frequent customers at Gikomba market. This is an open-air market just outside the city center. She started this business in 2004 and has borrowed KES 20,000 and repaid successfully. Her business challenges are competition and insecurity in the market. She is using the proceeds of the loan of KES50,000 to buy more children's clothes in preparation for the holiday season. She wants to be a wholesaler. Nyiva is single and describes herself as hardworking, jovial and social.