Oliver P. I. is a Tanzanian small-business married woman. She runs a business selling soft and alcoholic drinks in her shop at Mbagala ward in Dar es Salaam. She purchases the business goods from the wholesale shops and sells to customers at her kiosk. The income generated is used to meet her family’s daily needs. She has been running the business for four years. She needs a loan of Tshs 1,000,000 to buy more business goods.