Hellen is a resident of Mariakani, Kenya. She is a married mother of four children and runs a food cafe that has been in operation for ten years. Hellen was introduced to Milango by her friends and is asking for a loan of 21,050 Kenyan shillings to buy a refrigerator. This is due to the challenge of food expiration in her business given that she buys fresh foods. Despite the high level of bad debts, Hellen believes she can save the extra income for the education of her children, provide income to the other employees, and also use part of the money to purchase a parcel of land for future development.