Tabitha is a 31-year-old single woman. She describes herself to be patient and flexible. She operates a retail stall where she sells herbal medicines. She has been involved in this business for two years. Her business is located at a viable place and her primary customers are walk-ins. She describes her biggest business challenge to be the shortages of herbal medicines. She will use the KES 20,000 loan to buy three bags of herbal medicines. Her business goal is to run a herbal hospital within five years.