Theresa, 45, is a widow with five children who lives in the Sinkor community. Theresa has been working very hard for the past fifteen years, managing her business and taking care of the expenses of the family. Her children are between the ages of 16 and 33. Three are college students and live outside the home; the other two live with her at home and are in school. Theresa sells coal by retail in her community. She sells thirteen hours a day and transports her goods by commercial vehicle. She makes a profit when she sells because she is the only one that sells coal in that part of her community. Theresa is very grateful to the lenders for their support of her business. She is requesting a loan to purchase more coal bags to sell by retail. Her future plan is to build a house.