Ngina is a 29 year old married woman. She has three children. She describes herself to be a polite and humble woman. Ngina operates a retail store where she sells food items such as tea leaves, maize flour, sugar, and cooking fat. Her business is located in a viable business environment and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business.
Ngina will use the 5,800 KES loan to buy a solar lamp that will be used by her five family members for lightning at night. Her business goal is to improve her business within five years. She hopes that in the future, she will be a prosperous business lady. Previously, Ngina took a loan of 20,000 KES which she managed to pay successfully.