Nelly lives in Kongowea Kenya. She is a married mother of four children. For more than ten years she has been running a retail shop in her neighborhood. She also owns a mobile money transfer service known as "M-Pesa" She knew Milango (the Kiva field partner) through friends who introduced her and now she seeks a loan to buy a charcoal burner. She wants to fully venture into a real estate business and that is where she is heading in the next five years. The main challenges that she faces in her business are high transportation costs and debtors who refuse to pay her. The income she will raise will enable her to pay school fees for her children.