Ruth lives in Mombasa, Kenya. She is 43 years old, married and blessed with three children. All her three children attend school. She sells secondhand clothes at the local market. She has done this business for the last ten years. She also owns a pool business which earns her extra income. She found out about Milango through friends and she now seeks a loan to buy bales of secondhand clothes to sell. She has had previous loans from Milango which were not listed on Kiva and she paid them back without challenges. The challenge she faces in this business is price changes. Inflation also affects her income from the business and these are the challenges that she has to deal with. The extra income that she will raise from the loan use will help her pay school fees for her children. Her living standard will also improve. She has a vision of selling clothes as a wholesaler.