Nancy is a single woman. She has 3 children ranging in age from 14 years to 20 years. She describes herself to be honest and obedient. Previously, she was employed at a salon. She operates a beauty salon where she provides services such as blow drying and plaiting, and she sells hair oil. She has been involved in this business for 3 years. Her business is located at a competitive area. She describes her biggest business challenge to be the high cost of hair oil. She will use the Kes 20,000 loan to purchase hair oil and cosmetics. Nancy's business goal is to run several similar outlets within 5 years.