Mwanate is 43 years old, married and has four children. She describes herself as an honest woman. She operates a retail business where she sells cereals. She has been involved in this business for one year. Her business is located within a busy area and her primary customers are residents from the environs. She describes her biggest business challenge to be high taxes. She will use the KES 30,000 loan to buy cereals to sell. Her business goal is to open a new business selling second-hand clothes within five years. She hopes that in the future she will improve her business. This is her second loan with SMEP DTM.