Ama A. is married and takes care of four children. She assists her husband in the payment of school fees and utility bills. Ama sells cooked rice and serves it with tomato sauce at Abura. She . Her business just started some months ago. She wants to expand the business with the loan she hopes to get. Ama will use the loan to buy more rice and other ingredients to cook for sale. She hopes to reinvest the new profits.