Monica is a 35-year-old married woman. She has 7 children with ages ranging from 12 to 25 years. She describes herself as determined. She operates a retail store where she sells detergents. She has been involved in this business for 1 year. Her business is located near a busy highway. She describes her biggest business challenge as insufficient funds. She will use the KES 20,000 loan to buy chemicals. Her business goal is to run a big detergent-manufacturing company within 5 years.