Maria Tereza is a 47-year-old lady dealing in a local brew business. She says she has practiced it for 10 years, and that she started with capital she got from baking powder. She faces the problems of inadequate capital to facilitate the business and of customers not paying on time. Maria Tereza would like mostly to build a permanent home. She would also like to move her business to a more permanent location. She wants a loan to buy more local brew for resale.