Gracious is a widowed mother of 3 children. Her husband died early last year. This has made it difficult for her to pay school fees for the children. With the assistance of some friends, she managed to secure a charcoal sales business in front of their rented premises. Even though sales are good, household expenses take a great chunk of the profits with almost nothing to reinvest. She is therefore very keen to secure the KIVA loan to augment her dwindling capital.