Lucy is a widow with three children, ages 10 to 14 years old. She describes herself to be determined and loves the business. She operates a retail store where she sells charcoal. She has been involved in this business for four years. Her business is located within a busy market and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the Kes 20,000 loan to buy more charcoal for resale. Her business goal is to be a wholesaler within five years. She hopes that in the future, she will be supplying charcoal to her customers.