Elizabeth is a 41-year-old married woman. She has 2 children, 10 and 24 years old. Elizabeth describes herself as a consistent woman. She has operated a retail business selling clothes for 10 years and employs 1 staff member. Her business is located in a conducive area and her primary customers are local residents. Elizabeth describes her biggest business challenge to be inadequate funds. She will use this KES 20,000 loan to buy clothes. Elizabeth's dream and business goal is to expand her clothing sales business within 5 years.