Cicih J., 36, is a mother of 2 children. Her husband, Wawan, is a private driver who earns US$53 a month. In order to earn extra income for the family, Cicih sells candy door-to-door and to shops nearby, earning US$3 a day. She is a member of MBK and is asking for a loan of US$100 to increase her business capital so she could pay for her children's education. Cicih promises to repay this loan within a period of 12 months.