Mary is a 31 year-old married woman. She has 2 children, with ages ranging from 5 years to 7 years. She describes herself to be honest and determined. She operates a hawking business where she sells sweets, biscuits, ground nuts, juice etc. She has been involved in this business for 2 years. Her business is located in a shopping center. She describes her biggest business challenge to be insufficient capital. She will use the Kes 60,000 loan to buy sweets, biscuits, ground nuts and juice in large quantities. Her business goal is to grow it and own a business premises to run her business instead of hawking within 5 years. She hopes that in the future, she will grow her business into wholesale and put up rental units.