Sofia is a 37-year-old single woman. She has no children yet. She describes herself as a good and principled woman. She operates a pub where she sells beer. She has been involved in this business for two years. Her business is located in a busy market. She describes her biggest business challenge to be the high price of beer. She will use the Kes 20,000 loan to buy more beer. Her business goal is to be a wholesaler within five years.