Mary is a 32-year-old married woman. She has three children. She describes herself to be a humble woman. She operates a retail store where she sells cereal. She has been involved in this business for eight years. Her business is located within a potential business 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 30,000 loan to buy cereals to sell. Her business goal is to run a wholesale business within five years. She hopes that in the future, she will have improved her business. This is her second loan with SMEP DTM.