Florence is a 32-year-old married woman. She has four children with ages ranging from 8 to 14 years. She describes herself as an aggressive woman. She operates a retail store where she sells cereals, such as maize, millet, etc. She has been involved in this business for 8 years. Her business is located at a busy market, and her primary customers are local residents. She describes her biggest business challenge to be the stiff competition within the area. She will use the Kes 20,000 loan to buy maize. This is the first loan she is requesting. Her business goal is to be a wholesaler of cereals within 5 years. She hopes that in the future she will be financially stable.