Maria, is 63 years old and lives in a suburb of Lima, Peru, with her husband Roberto and their 10 children. Maria holds a small vegetable stand at the local market, which she was able to secure thanks to a micro-credit. Today, she earns the equivalent of about USD 1600 per month with a monthly net profit of about USD 550 with her stand. She and her husband took their last loan of Peruvian Soles 7000 (equivalent to about USD 2000) for a duration of 18 months to invest in a new business venture. Her husband plans to repair a mini bus and use it for public transport around their neighbourhood.