Margaret is a 57-year-old married woman. She has seven children, aged from 10 to 22 years old. She describes herself as hardworking and dedicated. She operates a grocery store, where she sells cabbages, tomatoes, and onions. She has been involved in this business for nine years and employs one staff member. Her business is located in a very busy residential area. She describes her biggest business challenge as insufficient capital. She will use the loan of Kes 50,000 to add to her stock of vegetables. Her goal is to expand her business to a wholesale grocery shop within five years. She hopes that in the future, she will educate her children to the university level.