Moreene is a 26-year-old married woman. She has 2 children who are 1 and 3 years old. She describes herself to be self-driven. She operates a beauty salon where she does hair treatments, weaving, etc. She has been involved in this business for 3 years. Her business is located in a densely populated area and her primary customers are females. She describes her biggest business challenge to be inadequate amounts of beauty products. She will use the KES 20,000 loan to buy cosmetics and salon equipment. Her business goal is to own a larger hair salon within 5 years. She hopes that in the future, she will provide beauty services to a larger clientele.