Elizabeth is a 37-year-old married woman. She has 2 children, ages 9 and 15 years. She describes herself to be honest and God-fearing. She operates a a farm where she sells tree seedlings. She has been involved in this business for 7 years. Her business is located at a strategic place and her primary sales are to passers-by and repeat customers. She describes her biggest business challenge to be irrigation problems when it's dry. She will use the Kes 20,000 loan to buy more tree seeds. Elizabeth's business goal is to make the best nursery bed and venture into a retail shop within 5 years.