Margaret A. A. is fifty-two years old. She is widowed and has five children aged ten to twenty-four. Margaret runs a restaurant at a shopping centre in Kakamega, which is known as the sugar belt region for its production of sugarcane. She has been running this business for the last ten years and has managed to provide employment for three people. She says that this business is profitable and the major challenge she faces is the risk of food going bad for lack of refrigeration. However, she works very hard to keep her business doing well.
Maragret is using this loan of KES 70,000 to buy a refrigerator to store her food and keep it fresh longer. She hopes to grow her business into a big hotel at the shopping centre. She also sees herself buying a plot of land in the future and building rental units. She describes herself as a visionary lady.