Margaret is a 35-year-old married woman. She has 3 children whose ages range from 3 years to 15 years. She describes herself as polite, humble, and a God fearing woman. She operates a tailoring business where she sells clothes . She has been involved in this business for 3 years. Her business is located at a potential business area and her primary customers are the general public. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the 20,000 KES loan to buy fabric to make clothes to sell. Her business goal is to run a retail shop within 5 years. She hopes that in the future, she will be able to educate her children. This is her first loan with SMEP DTM.