Shirly is 37 years old, married, and she has two children, 6 and 10 years old. The two of them are currently in school and live at home. For the past six years, Shirly has been selling rice, oil, and pepper in the market. She enjoys the profit-making in the business. She uses her profits on feeding and paying school fees for her children, and she is happy to cover her children's expenses. She spends nine hours a day with her business, because her business is the major way of getting money for her home.
Shirly is requesting a loan, which she will use to purchase more rice, oil, and pepper, to resell at her business. Her plans are to build her house and send her children to college, in the near future.