Monica is a single lady and has one child who is three years old. Monica owns a small retail shop selling breads, sugar, maize flour, cooking fat, drinking water, and sweets. She has been running this business for 4 years. She says that the business is good and the major challenge she has is financial constraints.
She is using her loan of kes 20,000 to add such items as sugar, flour, cooking fat, detergents, beverages, etc., in order to offer more products to her customers. She hopes to grow her business to wholesale and, in the future, build rental houses. She describes herself as hardworking and focused.