Santa is a 27-year-old married woman living with her three children (ages 9, 7, and 3). She also cares for an orphan from a distant relative.
Santa makes and sells bread to make ends meet and pay her children’s school fees. She is her family’s main provider because her husband has been unable to find work for a while. He does earn some money farming, but his income is sporatic.
She aspires to see her children through university studies and build a bakery of her own to run as a business. She will use her loan to buy a work table, kitchen utensils, flour, eggs, baking powder, yeast, sugar, and oil to make and sell bread and make enough of a profit in a short time to repay her loan.
