Encarnacion is already getting old, but is still enthusiastically managing the business. She offers grinding services for rice, meat, and peanuts. Aside from grinding services, she is also selling groceries and other household daily consumption goods. Encarnacion would like to sell vegetables in her stall but she can’t because of financial constraints. Encarnacion believes that by having additional capital it will be possible for her to achieve her desire. To that end, she is requesting a loan of PHP 40,000 to buy groceries and vegetables to sell. She will also use the loan for the maintenance of her grinder machine. She will save some of her earnings for any future needs.