Pamela lives in Likoni area of Coast Province, Kenya with her husband and three children. She owns a clothes business which she has been operating for four years. She travels around and sells her clothing in nearby homes. Pamela learned about Milango through friends who invited her to join the group. She did that as a way to access credit to improve her business. Her main challenges are high fuel and transport costs, price fluctuations and inflation and taxes. She is applying for a loan for 43,150 Kenyan shillings to buy additional stock of second-hand clothes and shoes. She will use the extra income she earns from this loan to increase her savings. Her dream is to open clothing businesses in other areas.