Monicah is a 43-year-old married woman. She has 2 children that are 18 and 21 years old. She describes herself to be determined woman. She operates a retail stall where she sells clothes. She has been doing this for 12 years. Her business is located along a busy street and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the KES 90,000 loan to buy clothes to sell. Her business goal is to expand her business within 5 years.