Philomina is a petty trader who sells yams, vegetables such as tomatoes, onions, garden eggs, oil and other food items. Philomina has been in this business for 10 years now. She is married and has three children. Her husband is a farmer. She uses her income to assist her husband in paying their children’s school fees. Philomina will use her loan to purchase more vegetables to sell. With the new profit, she will expand her business.