Kula is 26 years old and lives in Magibi county which has the largest producing rubber plantation in Liberia. She is married and her husband is not working now. They have twin children aged 3. Since 2010 she has been selling used clothes in the local market. She likes how people respond to her business, and mostly she enjoys the interaction of her customers. She spends eight hours with her business six days a week. She is requesting a loan to purchase more used clothes for her business. She plans to buy land and build a house.