Lydiah is a single woman. She has 2 children whose ages range from 10 to 15 years. She describes herself as optimistic. She operates a retail stall where she sells cereals such as beans, maize and black beans. 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 as inadequate funds for improving the business. She will use the KES 20,000 loan to purchase cereals. Her business goal is to be a supplier of cereals in large quantities within 5 years.