Lydiah is a 34-year-old married woman. She has a child who is 6 years old. She describes herself to be self-driven at work and hard-working . She runs a restaurant where she sells drinks and food. She has been involved in this business for 12 years. Her business is located within a busy market and the customers are local residents. She describes her biggest business challenge to be lack of funds to expand her business. She will use the KES 20,000 loan to buy food ingredients for preparing meals to sell. Her business goal is to have multiple restaurant outlets within 5 years. She hopes that in the future, she will have expanded her business.