Nyadzuwa is a 40 year old married woman. She describes herself to be a business-oriented woman. She operates a retail business, where she sells firewood. She has been involved in this business for 15 years. Her business is located in a highly-populated area and her primary customers are local residents. She describes her biggest business challenge to be a shortage of firewood to sell. She will use the KES 20,000 loan to buy firewood to sell. Her business goal is to open a new retail shop within five years. This is her first loan with SMEP DTM.