Josphine is a 33-year-old married woman. She has 2 children whose ages range from 5 years to 7 years. She describes herself as optimistic. She operates a grocery store where she sells fruit such as mangoes. She has been involved in this business for 5 years and employs 1 staff member. Her business is located within a busy and viable market and her primary customers are local residents. She describes her biggest business challenge to be inadequate funds for improving the business. She will use the KES 20,000 loan to buy more mangoes for selling. Her business goal is to own several such fruit-selling grocery stores within 5 years.