Julia is a married woman. She has a son who is three years old. She describes herself as kind, honest, and God fearing. She operates a grocery store where she sells oranges, onions, potatoes, carrots, kale, etc. She has been involved in this business for three years. Her business is located along a busy road, and her primary customers are new and repeat. She describes her biggest business challenge to be high cost of vegetables and fruits. She will use the KES 10,000 loan to buy more vegetables and fruits. Julia's business goal is to venture into and run a big supermarket within five years.