Caroline is a 43-year-old married woman. She has 3 children. She describes herself as a person with potential. She operates a farm where she keeps dairy cows, poultry and also grows tea. She has been involved in this business for 4 years. Her business is located in a fertile place and her primary customers are large scale. She describes her biggest business challenge to be labour. She will use the 20,000 KES loan to buy farm inputs such as fertilizer, seeds, and other items. Her business goal is to do large scale tea farming within 5 years. She will use the anticipated profits to expand her business.