Joyce is a 34-year-old single mother of three children—ages 15, 13 and 4 years. All her children are in school. Joyce operates a soft drink kiosk to provide for her family and also meet her children’s educational needs. She intends to diversify her business by selling secondhand clothes and shoes to people in the surrounding areas. This will enable her double her income.
A severe lack of capital, however, prevents Joyce from moving her business to the next level. She needs to sell many more drinks to be able to save enough money to purchase secondhand clothes to sell on. With her loan, she will buy Coca Cola, Fanta, passion fruit, sugar, tea leaf, and coffee.
Joyce aspires to be able to send all of her children to university and one day to build herself and her children a three-bedroom house.
