Philomenah is a 32-year-old married woman. She has two children with ages rangeing from one to six years old. She describes herself to be an honest and God-fearing woman. She operates a retail store where she sells medicine. She has been involved in this business for three years. Her business is located within an agricultural area and her primary customers are residents. She dheescribes her biggest business challenge to be the high cost of transporting the medicine from the source. She will use the KES 30,000 loan to buy more medicine to sell. Her business goal is to be a wholesaler of medicine within five years. She hopes that in the future, she will expand her business.