Cecilia is 28 years old and single. She takes care of her two sisters. Her parents are dead. Their death prompted her to drop out of school and take care of her family. Cecilia owns a pharmacy selling medicine in the Vingunguti area of Dar es Salaam. The Vingunguti area is a squatter area with no proper sewage systems. Her business has a higher turnover of drugs for malaria and waterborne diseases. Her business is licenced by the local authorities. Cecilia wants to improve her business by adding to her stock of medicines. This would require additional funding of USD 550.