Emily is a married woman. She has three children. She describes herself to be determined. She operates a retail business where she sells sugar, bread, milk, rice and other items. Her business is located in a good market and her primary customers are both men and women. She describes her biggest business challenge to be inadequate capital. She will use the Kes 40,000 loan to buy more stock of bread, sugar, milk and other items. She hopes that in the future, she will have an improved life. She will use the anticipated profits to pay school fees for her children.