Mwarabu is 58 years old, married and has five children. She describes herself as a determined and hard-working woman. She operates a food business where she sells snacks. She has been involved in this business for five years. Her business is located within a busy 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 50,000 loan to buy food ingredients for preparing snacks to sell. Her business goal is to run a restaurant within five years. She hopes that in the future, she will improve her business. This is her second loan with SMEP DTM after she took out a previous loan of KES 20,000 which she managed to repay successfully.