Joyce M. M. is forty five years old. She is widowed and her daughter has also passed away. However, she takes care of her grandchild and hopes to give her a quality education at the university level. Her business is located at a busy market known as Mwingi. Joyce is served by the Thika branch. Thika is the region in Kenya known for production of pineapples. She has been selling cereals such as maize, beans, sorghum, cow peas and green grams for the last ten years to the local people. She says that this business is profitable and the major challenge she has is lack of adequate transportation to transport the cereals to the major towns. However, she works very hard to keep her business perform well.
She will use her loan of Kes 20,000 to buy more cereals to expand her business. She hopes to have many business outlets and in the future, have a vehicle to transport the cereals to different parts of the country. She describes herself as aggressive, persistent, patient and strong willed.