Charity is a 28 year-old married woman. She has 2 children between 2 years and 8 years. She describes herself as aggressive, determined, and focused. She operates a salon business where she provides hair and beauty services to the local people. She has been involved in this business for 3 years. Her business is located in a shopping center and her primary customers are ladies since she specializes in doing ladies' hair. She describes her biggest business challenge to be inadequate salon equipment. She will use the Kes 20,000 loan to add stock of cosmetics to meet customer demands, especially as we approach the festive season. Her business goal is to grow her business into a beauty college within 5 years. She hopes that in the future, she will provide quality education to her children.