Dzame is a 30-year-old married woman who has two children. She describes herself as ambitious. She operates a business where she transports customers using her motorcycle. She has been involved in this business for three years. Her business is located in a good area and her primary customers are of all types. She describes her biggest business challenge to be lack of funds. She will use the KES 20,000 loan to buy spare parts, fuel and to expand her transport business. Her business goal is to own a taxi within five years. She will use the anticipated profits to buy another motorcycle.