Phoebe is a 42-year-old married woman. She has two children with the ages of 15 years to 20 years. She describes herself to be a visionary woman. She operates a grocery store where she sells items such as maize, beans, groundnuts, etc. She has been involved in this business for three years. Her business is located within a market, and her primary customers are residents. She describes her biggest business challenge to be a shortage of vegetables and cereals sometimes. She will use the KES 50,000 loan to buy maize and beans. She has previously taken out a loan of KES 20,000, which she successfully repaid. Her business goal is to run a wholesale grocery store within five years. She hopes that in the future, she will build rental houses.