Marthaline K., 49, lives in Paynesville South with her husband and five children, who are between the ages of 9 and 31. Five of the children live outside the home, and are independent, while two of the children stay with her at home and are attending school. For the past ten years, she has been retailing coal in her community. She makes a profit when she sells because she is the only one doing this job in her community. Now, she is requesting a loan to purchase more bags of coal to sell. Her dream is to build a warehouse, where she can sell coal wholesale and retail.