Shariffa is 40 years old. She is married to a farmer and blessed with three children. Shariffa is a courageous and spiritual woman. She previously was involved in a saloon business and decided four years ago to involve herself in a retail business where she sells spare parts. She also sells cakes and sodas and runs an M-Pesa (mobile-phone-based money transfer) service to increase her income. Her business is located in a busy and viable area. She has one employee, who helps her in the retail business.
Shariffa faces a challenge of insufficient funds to expand the business. She has requested a loan of 20,000 KES to buy additional stock of spare parts. She plans to run a wholesale spare parts business and with the profits educate her children.