Florence is a 36-year-old married woman. She has two children, 6 and 10 years old. She describes herself to be a hardworking woman. She operates a retail store where she sells cereals such as maize, beans, etc. She has been involved in this business for six years. Her business is located at a viable business area, and her primary customers are local residents. She describes her biggest business challenge to be high transportation costs. She will use the 20,000 KES loan to buy ten bags of maize to sell. Her business goal is to export maize to other countries within five years. She hopes that in the future, she will improve her farming business, which she does in her leisure time. This is her first loan with SMEP DTM.