Martha is 40 years old and lives in Sinkor. She is single and has four children between the ages of 12 and 22. All of them live at home with her and are currently in school. For the past one year and six months, she has been selling charcoal in the local market. The price of charcoal and the availability of it are very high during the rainy season. She is requesting a loan to purchase 150 bags of charcoal for her business. She plans to send her children to a quality school in the near future.