Maldrine is a 37-year-old lady who deals in second hand cloth. She has run this business for a period of eight years. She started with agriculture and, after a good sale of the harvest, she ventured into the cloth retailing business. She says inadequate capital and high taxes are affecting her business. She would like to buy a car and expand her business to new markets. Maldrine is requesting a loan to buy bed sheets and bed covers to sell.