Nelly is a 41-year-old married woman. She has 5 children with ages ranging from 5 years to 15 years. She describes herself to be visionary. She operates a cereals sales business where she sells cereals and also ice cream. She has been involved in this business for 5 years. Her business is located in a shopping center. She describes her biggest business challenges to be inflation and a poor road transport network. She will use the Kes 30,000 loan to add a stock of maize. Her business goal is to grow her business into wholesale within 5 years. She hopes that in the future she will open another cereals shop.