Esther is a 30-year-old married woman. She has no children yet. She describes herself as an honest and loving woman. She operates a beauty salon where she provides services such as plaiting, blow-drying, etc. She has been involved in this business for one year. Her business is located in a viable area and her customers are frequently new ones. She describes her biggest business challenge to be the high cost of beauty products. She will use the Kes 20,000 loan to buy more beauty products. Esther's business goal is to run a bigger salon within five years.