Joan O. sells soap, saucepans and sandals in Abura. She is carrying some of the pans as a sample of what she sells. She normally carries them to her customers upon demand. Joan has received junior high school education. She is married and has three children. Her husband is a driver. Joana has been selling soap, saucepans and sandals since 2005. She is responsible for supporting her husband. Her loan will be used to increase the sale of her products. She hopes to use the increased profits from her business to save and build a house.