Najma lives in Likoni area of Coast province. She is a married mother of three. For the past two years, Najma has operated a cosmetics shop where she also sells clothes and sanitary pads. She started the business with her own little savings. Najma learned about Milango through a friend who invited her to the group and she joined to access credit to improve her business operations. Najma's major business challenges are high transport and fuel costs, purchasing stock, and finding customers.
Najma is requesting a 21,050 KES loan to purchase hair pieces, lotions, perfumes and other items. She will use the extra income from her loan to add to her savings and expand her business as well as for personal use. In the future, Najma plans to open retail shops.