Nahum is a married woman and has 3 children. She describes herself to be courageous. She operates a grocery store where she sells bananas, mangoes, tomatoes and other vegetables. She has been involved in this business for 3 years. Her business is located in a competitive area. She describes her biggest business challenge to be a lack of capital. She will use the KES 20,000 loan to add stock of bananas, mangoes and other vegetables. She will use the anticipated profits to expand her business.