Rehema, 40 years old, is married and has eight children ranging in age from 7 to 23 years old. She describes herself as an honest, determined and jovial woman. She has been selling water to residents in her area for the last five years. Rehema also runs a restaurant to increase her income. Her business challenge is delay in payments from her customers. She will use this 20,000 Kenyan shilling loan to buy restaurant chairs and tables. In the next five years, Rehema plans to run a hotel in her town.