Heriah is 38 years old. She earns her living producing bamboo matts at her house, usually making US$22.5 per month. Her husband, K., has no regular income. Heriah is asking for a loan of US$150 to help expand her matt-making business. She is a member of MBK, and, as a result, her business does increasingly well. She is willing to repay the current loan within 12 months.