Caroline is a 26-year-old single woman. She describes herself as a focused woman. She operates a retail stall where she sells clothes. She has been involved in this business for 5 years. Her business is located in a residential area and her primary customers are local residents. Caroline describes her biggest business challenge to be the high rate of tax charges on the business. She will use the 20,000 KES loan to purchase clothes to sell. Her business goal is to run a boutique within 5 years. Caroline hopes that in the future, she will have a happy family where she will cater to their financial needs. This is her first loan with SMEP DTM.