Dorcas is a 34-year-old, married woman. She has three children, whose ages range from 4 years to 12 years. She describes herself as a determined woman. She operates a retail business where she sells clothes. She has been involved in this business for five years. Her business is located in a viable business area, and her primary customers are local residents from the environs. She says her biggest business challenge is inadequate funds for improving the business. She will use the 20,000 KES loan to buy more clothes to resell. Her business goal is to be selling new clothes within five years. She hopes that in the future, she will pay school fees with profits generated from the business. This is her first loan with SMEP DTM.