Margaret I. is 45 years old, married, and has three children aged between the ages of 10 and 15. Her business is located at the busy Kakamega town. Kakamega is in the western part of Kenya. The major activity in the area is sugarcane farming and it is known as the sugar belt region. Margaret owns a grocery kiosk in which she sells fruits and vegetables to the local people. She has been in this business for the past five years. She states that her business is profitable and the major challenge she faces is the harassment from the local administration. She is requesting a loan of 20,000 KES to buy more groceries to expand her business. She also plans to use the remainder of the money to purchase a cow from which she will be getting milk. She hopes to be a wholesaler in future. She also hopes to give all her children a quality education to the university level. She describes herself as very focused and intelligent.