Lucy is a fifty-five-year-old married woman with eight children aged between twelve and thirty-one. She describes herself as a principled woman. She operates a retail shop and for the past seven years has sold home product such as rice, milk, bread, sugar and cooking fat to local residents in a strategic area. She faces a challenge of insufficient capital and has therefore applied for a loan of KES 20,000 to purchase more stocks of rice, bread, and cooking fat. She sees her business expanding and opening job opportunities in the next five years.