Rachael lives in Malindi which is north of Mombasa, Kenya. She is a 37-year-old married businesswoman. She has been in the fish business for the last six years and also sells charcoal. She knew Milango through friends and now would like to take a loan to buy a freezer for storing fish. She hopes that her business will grow and she will become a supplier in the next five years. The major challenges in the business are competition and price changes. The extra income that she will raise will improve her living standards.