Hardenia is 38 years old and lives in Congo Town. She is married with two children aged five and 12 who live at home and attend school. For the past few years, Hardenia has been selling rice, oil and pepper. She started this business with money given to her by her husband and the business helps her to save more money. Hardenia is requesting a loan to purchase more rice, oil and pepper for her business. Her plan is to build a house.