Agnes is a 23-year-old married woman. She has two children, 4 and 6 years old. She operates a retail store, where she sells cereals. She has been engaged in this business for four years. Her business is located in an area with potential, and her primary customers are local. She states that her biggest business challenge is inadequate finances. She will use the KES 50,000 loan to buy more cereals to sell. Her business goal is to be financially stable within five years.