Esther is a 41 year-old married woman. She has 4 children with ages ranging from 8 months to 18 years. She describes herself to be humble. She operates a grocery store where she sells vegetables to the local people. She has been involved in this business for 3 years. Her business is located in a shopping centre and her primary customers are households. She describes her biggest business challenge to be fluctuating prices. She will use the Kes 80,000 loan to purchase a motorcycle that will facilitate the running of the business. Her business goal is to grow her business into wholesale within 5 years. She hopes that in the future, she will open other stalls that will specialize in the sale of groceries.