Joyce R. is forty four years old, single and has one child aged sixteen years old who she hopes will become a pilot some day. Her business is located at Tassia, a residential area in Nairobi. She has been selling house decor such as teddy bears and curtains to the local people for the last fifteen years. She has managed to employ thirty one people. She says that this business is profitable and the major challenge she has is how to reduce fraud by the employees. She works very hard to keep her business doing well. She is using her loan of Kes 50,000 to buy more items too meet customer demand and to expand her business. She hopes to grow her business until its able to make Kes 5,000,000 as income. She describes herself as an aggressive business woman.