Lucy is a married woman, and she has 1 child. She describes herself as a trustworthy woman. She operates a general store where she sells shoes and clothes. Her business is located in an urban area, and her primary customers are local residents and the general public from the town. She describes her biggest business challenge to be the high prices of shoes and clothes. She will use the loan of 80,000 Kenyan Shillings (Kes) to buy clothes and shoes to sell. Her business goal is to expand her business within 5 years. She hopes that in the future, she will improve her family's standard of living. This is her third loan with SMEP DTM; she managed to successfully repay a previous loan of Kes 50,000.