Halima lives in the Vingunguti Ilala District of Dar es Salaam. She is married with four children. Halima sells charcoal in a store located in her house. She has been in this business for more than ten years now. She is planning to increase the size of her charcoal store. Unfortunately, the charcoal business has been barred by the government because of environmental conservation issues. This has decreased the supply of charcoal, causing prices to rise. Limited by capital, Halima is not able to implement her plan. She needs the assistance of USD 550 from lenders to implement her plan.