Mary is a 49-year-old married woman. She has two children, who are 20 and 25 years old. She describes herself as a serious business lady. She operates a shoe stall where she sells shoes. She has been involved in this business for 15 years. Her business is located in an appropriate area. She will use the loan of 20,000 KES to add to her stock of shoes for resale. Her business goal is to open a shoe shop within five years. She hopes that in the future, she will be able to open a big shoe shop.