Martha is a 42-year-old married woman. She has 3 children whose ages range from 8 to 15 years old. Martha describes herself as a determined woman. For the past 6 years, she has operated a grocery store where she sells vegetables such as kale, cabbage, etc. Martha's business is located in a market area and her primary customers are local residents. She describes her biggest business challenge to be stiff competition within the area. Martha will use this KES 20,000 loan to buy kale. Her business goal is to run a wholesale grocery store within 5 years. Martha hopes that, in the future, she will have expanded her business into many grocery stores.