Joyce is a married woman. She has five children with ages ranging from 20 to 30 years. She describes herself to be a creative woman. She operates a retail store where she sells household items such as sugar, flour, salt, margarine, royce etc . Her business is located in a busy business environment and her primary customers are local residents . She describes her biggest business challenges to be the shortage of household items and meeting the high demand of customers for household items. She will use the KES 120,000 loan to buy more household items for resale. She had requested a loan of KES 50,000, which she repaid succesfully. Her business goal is to run a wholesale shop within five years. She hopes that in the future, she will have created job opportunities for people.