Joyce is a 37-year-old married mother of four children – two daughters and two sons. She lives with her family in a family house. Joyce is a hardworking woman who runs a grocery store. She sells items such as coffee, Milo, flour, sugar, rice, candies, bread, etc. in a store by the street. Joyce has been in business for 18 years now and wants a loan to buy more groceries to expand her business. She hopes to give her children the best education she can afford.