Sarah is a 31 year old married woman. She has one child. She describes herself to be friendly. She operates a beauty salon where she provides hair and beauty services. She has been involved in this business for two years. Her business is located in a shopping centre and her primary customers are women. She describes her biggest business challenge to be insufficient capital. She will use the Kes 40,000 loan to purchase more hair relaxers, shampoos and other cosmetics. Her business goal is to grow it into a spa within five years. She hopes that in the future, she will own a plot of land where she will build a residential home.