For the last six years, Zainab has been selling charcoal to frequent customers. She has one employee and faces the business challenge of unreliable transportation of charcoal. Her business is at Makongeni Phase 4, a semi-urban area near the town of Thika. She will be using the requested loan of KES40,000 to buy more charcoal. In addition, she sells clothes, such as jackets. In the future, she wants to expand her business and own a car which she will use for transportation. Zainab is divorced and has two children. She describes herself as hardworking, jovial and innovative.