Caroline is a 35-year-old married woman. She has two children with ages ranging from 3 to 13 years old. She describes herself to be optimistic. She operates a food stall where she sells chips, mandazi and other food. She has been involved in this business for six years. Her business is located in a residential area and her primary customers are passersby. She describes her biggest business challenge to be limited stock. She will use the KES 20,000 loan to purchase additional stock. Her business goal is to own her own food store within five years. She hopes that in the future, she will be able to improve the general welfare of her family.