Mary is 37 years old. She is married and the mother of five children. All her children are currently in school. To support her household, she has been selling cereals like beans, maize, and groundnuts, etc. in the community market to her loyal customers. She says selling these products is very lucrative and with her nine years' experience, she can increase her market size. She takes delivery of stock from the farming communities. Therefore, she wants the loan to expand her inventory to enable her to make good income to support her family, especially the children’s education and her business expansion.