Lydiah W. K. is 36 years old, married and has two children, who are 13 and five years old. For the last six years, she has made a living running a general store where she sells household items, beverages and hair products. Her business is located at a place called Ruiru in Thika town. She has applied for a loan of Kes 80,000 to buy more items to sell to her customers and to open outlets in other parts of the town. She is a very hardworking businesswoman.