Virginia W. K. is sixty years old. Her husband is a businessman and they have two children, aged twenty six years old and sixteen years old. Her business is located at an area called Uthiru in Nairobi, along the road where there are many passersby and it is well known as Bethsaida Bakers. She makes and sells baked food to the local people in wholesale and retail. Virginia says that this business is profitable and the only major challenge she has is shortage of capital. However, she works very hard to keep her business doing well. She is using her loan of KES 20,000 to buy flour, yeast, cooking oil and others to grow her business and to meet the demands of her customers. In future, she hopes to open other outlets and become a major cakes supplier in Uthiru. She describes herself as a very focused lady.