Rose is a 30-year-old married woman with two children, ages 7 and 10. She describes herself to be a risk taker and innovative. She operates a fish-selling business and has been involved in this business for eight years. Her business is located in a market area and her primary customers are locals. She will use the KES 60,000 loan to buy more fish to sell. She hopes that in the future, she will educate her children comfortably. She also sells charcoal to earn extra income.She will use the anticipated profits to repay the loan.