Joyce is a 44-year-old married woman. She has 4 children with ages ranging from 17 years to 26 years. She describes herself to be social and talkative. She operates a small pub and a retail store where she sells items such as maize flour, cooking fat, rice, sugar etc. She has been involved in this business for 10 years and employs 1 staff member. Her business is located within a town and her primary customers are people who come to visit the town. She describes her biggest business challenge to be insufficient funds for improving her business. She will use the Kes 20,000 loan to buy maize for selling. Her business goal is to run a wholesale shop in the nearby town within 5 years. She hopes that in the future, she will educate her children from the profits that will be generated.