Zainab is a married woman. She has four children between the ages of 12 and 22. She describes herself to be a hardworking woman. She operates a beauty salon where she provides manicures, pedicures, and hair services such as blow drying, plaiting, etc. She has been involved in this business for five years. Her business is located in a residential area, and her primary customers are students and ladies. She describes her biggest business challenge to be frequent power outages. She will use the 40,000 KES loan to buy beauty products. Her business goal is to expand her business within five years. This is her second loan after successfully repaying a loan of 20,000 KES.