Lydia, 32 years old, is married and has a two-year-old son. She describes herself as a visionary woman. She runs a retail store and sells detergents, cooking fat, sugar, rice, etc. She has been involved in this business for two years. Lydia faces a challenge of insufficient funds for expanding her business. She will be using the loan KES 20,000 to buy two bags of rice, one bag of sugar, and five cartons of cooking fat. Her hopes and dreams for the next five years is to run a supermarket.