Garmai is 36 years old, lives in Airport, and stopped her education at 4th grade. She is married and has five children between 4 and 19 years old that are in school and live at home. For the past ten years she has been selling rubber dishes (plates, spoons, bowls) in the local market. She requesting a loan to purchase rubber dishes for her business. She started this business on sell-pay (take the goods to sell, return the principles, and have the profit). She sold palm oil at that time. Her plan is to build a house.