Getrude is a 31 year old married woman. She has 2 children with ages ranging from 3 years to 10 years. She describes herself to be caring. She operates a retail store where she sells charcoal. She has been involved in this business for 3 years. Her business is located at a viable place. She will use the Kes 20,000 loan to buy more bags of charcoal. Her business goal is to run three other similar retail stores within 5 years.