Sharoti is a young lady who is 30 years old and married with four children aged 4 to 12 years. She lives with her family of seven, which includes her children and her parents. Education for the children is a high priority in the family. Sharoti operates a stationery shop where she sells books, papers and other scholastic items. She has operated the shop for five years now, having established it with the savings she made at her first job as a primary school teacher. She says that during holidays, sales are low but she hopes to open up a branch in another town to increase turnover. The purpose of the loan is to purchase books, printing and photocopying paper and a printer for her stationery business.