Ruth is a 45-year-old married woman. She has three children. She describes herself to be an honest woman. She operates a poultry business where she sells chickens and eggs. She has been involved in this business for four years. Her business is located at an urban potential business area and her primary customers are local residents. She describes her biggest business challenge to be the shortage of food to give to the chickens. She will use the KES 100,000 loan to purchase chickens to sell. Her business goal is to expand her business within five years. She hopes that in the future, she will open a new business, that of a restaurant. Ruth also sells clothes, which adds to her business income. This is her sixth loan with SMEP DTM.