Joyce is thirty-eight years old and has one child, aged nine, whom she hopes to educate to the university level. She operates a clothing sales business at Mtamboni in Mombasa. She says that though the business is profitable, there are challenges in competition. She is using her loan of KES 70,000 to buy more clothes to grow her business and meet the demands of her customers. In the future, she hopes to grow her business to wholesale. She describes herself as honest and accountable.