Mwambeyu is a 24-year-old married woman. She has 3 children with ages ranging from 5 years to 8 years. She describes herself to be social woman. She operates a retail stall where she sells clothes. She has been involved in this business for 2 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 insufficient funds for improving the business. She will use the Kes 20,000 loan to buy clothes to sell. Her business goal is to enlarge her business within 5 years. She hopes that in the future, she will save with SMEP DTM so as to improve her business. This is her second loan with SMEP DTM after taking a loan of Kes 30,000 which she managed to repay.