Elizabeth is a married woman. She has 2 children. She describes herself as an honest and intelligent woman. She operates a retail store where she sells clothes. Her business is located within a semi-urban area and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the KES 20,000 loan to buy clothes to re-sell. Her business goal is to expand her business within 5 years. She hopes that, in the future, she will run a boutique. This is her first loan with SMEP DTM.