Kanze, 52 years old, is a married woman. She has three children ranging in age from 17 to 24. Kanze describes herself as a social woman. She operates a grocery stall where she sells cherimoya fruits commonly known as 'Matomoko' in local language. She has been involved in this business for eight years. Her business is located in a viable business area, and her primary customers are mostly women and also local residents. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the 45,000 KES loan to buy more cherimoya to sell. Her business goal is to be a wholesaler within five years. She hopes that in the future she will open a new retail shop selling home products . Kanze has been in previous business of selling brooms to retailers in her home area.