Margaret W. M. is 47 years old. She has three children who range in age from 20 to 25 years old. She makes a living in the town of Ngong, Kenya by raising cows and selling their milk. She would like to diversify her business by applying for a loan of Kes 40,000 to buy inventory for a new retail shop. While she does this, she hopes to continue to engage in her true passion, which is dairy farming. She works very hard to keep her business doing well and hopes to make all her dreams come true.