Jane is married with grown up children. She is a strong Christian and a member of ACK Church in Mihuti. She is a member of Mathioya Womens Group. She is a farmer and grows tea, coffee and rears a dairy cow. Jane has benefitted from her group. She gets small loans from her group that has enabled her to improve the management of her livestock business. She is able to buy animal feed and get modern veterinary services for her cow. She generates most of her income from milk sales. Jane has applied a loan of USD 150 that will enable her to buy shares from Kenya Reinsurance Company. The shares will be floated on the market in January 2007. The group has approved the purchase of the shares through their new rule passed in their December 2006 meeting. Jane will repay the money in 12 monthly installments.