Milkah is a 27-year-old married woman. She describes herself to be God fearing and business-oriented woman. She operates a retail store where she sells household items such as sugar, salt, maize flour, cooking fat, tea leaves, juice, bread, sodas, water etc. She has been involved in this business for 4 years. Her business is located in a highly populated area and her primary customers are residents from the environs. She describes her biggest business challenge to be inadequate stock of household items to sell to customers. She will use the Kes 50,000 loan to buy household items to sell. Her business goal is to run a wholesale shop within 5 years. She hopes that in the future, she will be successful in her business. This is her second loan with SMEP DTM. Milkah also runs a grocery store where she sells vegetables and fruits to increase her business income.