Agnes is thirty – eight years old. She is divorced and has given birth to three children, one daughter and two sons who are currently in school. She works very hard to support her children as she dreams to give them better future. She lives with her children in a rented apartment. She sells and distributes palm nuts from to her loyal customers. Palm nuts fruits is used to produced soap, food and many others. She procures the palm fruits from nearby communities. Agnes has been in business for two years and wants a loan to buy palm fruits in bulk to expand her business.