Peace K. is married with a family of three children — all girls, aged nine, seven and three years. Peace is selling timber and has four years of experience. She started the business as a result of insufficient funds raised by her husband, who is a driver. Timber selling has been a challenge to many due to the marketing; nevertheless, Peace has marketing skills. Peace at the moment has potential clients who buy timber for construction and many other uses. She would like to borrow $1,100 to stock more timber that will help meet the demands of clients and at the same time help expand her business through savings.