Mutuaa is a 24-year-old married woman. She has two children with ages ranging from 8 months to 5 years. She describes herself to be religious. She operates a retail store where she sells charcoal. She has been involved in this business for two years. Her business is located at a viable market. She describes her biggest business challenge to be insufficient funds. She will use the KES 30,000 loan to purchase more charcoal. Mutuaa's business goal is to be a charcoal distributor within five years.