Hendrica describes herself as a focused woman. She is married, and she operates a retail store where she sells home products such as sugar, salt, flour, etc. She has been involved in this business for three years. Her business is located in a viable business area, but she feels her biggest business challenges are stiff competition within the area and high local council rates. She will use the loan of 50,000 Kenyan Shillings (KES) to buy more home products to sell in her store. She hopes to run a bigger shop in the future.