Caroline is a married lady who lives in Changamwe, Kenya. She runs a junior school, which has been in operation for three years and has a total of eight employees. Caroline is applying for a loan of KES 40,000 to purchase desks, textbooks, and stationery.
Her future ambitions include increasing the number of streams (groupings of students based on ability and/or curricula) within the school and modernizing its operations, including the purchase of computers. The main challenge she faces is fee payments; at times, accounts are in arrears, slowing down their plans. Caroline will use the extra income from this loan to improve the services the school provides and in turn increase enrollment.