Constence is a 41-year-old married woman. She has four children. She describes herself to be a social and respectful woman. She operates a retail business where she sells clothes such as shirts, skirts, blouses, etc. She describes her biggest business challenge to be inadequate funds for improving her business. She will use the KES 20,000 loan to buy more clothes to sell. Her business goal is to venture into a retail shop within five years. She hopes that in the future, she will have a big retail shop.