Rachael K. is 50 years of age. She has a family of three children — one boy and two girls all going to school — as well as four dependants. Rachael sells hardware products like varnish, plywood, glue, drawer locks, nails, paint and much more. Her business is strategically stationed in the city suburbs where carpentry workshops are located. This is a ready market for the goods in her small hardware shop — mainly varnish, wood glue, nails and other things. In the small earning she collects, she manages to meet her necessities: mainly food, clothing and rent for her workplace and others. She wishes to borrow $900 for capital for expanding the business to meet the clients' demands, and at the same time fulfill her future plan of saving tuition fees for her college students.