Sapenzia is a 63-year-old married woman. She has seven children with ages ranging from 30 to 40 years. She describes herself to be polite, patient, and ambitious. She operates a clothing sales business where she sells clothes to the local people. She has been involved in this business for 25 years. Her business is located in a shopping centre. She describes her biggest business challenges to be seasonality and price fluctuations. She will use the Kes 40,000 loan to increase her stock of clothes. Her business goal is to grow it into wholesale within five years.