Momo is a married woman with 4 children. She describes herself as social and hard-working. Momo operates a retail store where she sells charcoal. She has been involved in this business for 10 years. It is located in a viable business area, and her primary customers are local residents. She describes her biggest challenge as insufficient funds for improving the business. Momo will use the KES 50,000 loan to buy charcoal to sell. Her business goal is to improve her business within 5 years. She hopes that, in the future, she will become a distributor of charcoal to customers. This is her second loan with SMEP DTM.