Kerbeh lives in Air Port Community. She is 44 years old, married, and her husband is a doctor. They have ten children between 2 and 27 years old that are in school and live at home. Starting in 2004 she has sold palm oil and peppers in the market. She is requesting a loan to purchase more palm oil and peppers for her business. In the future she would like to own a store and educate her children to do business.