Rosemary is a married woman. She has 5 children with ages ranging from 7 years to 23 years. She describes herself to be a humble and caring woman. She operates a beauty salon where she provides hair services such as plaiting, blow-drying, etc. She has been involved in this business for 12 years. Her business is located within a strategic business area and her primary customers are women from the nearby environs. She describes her biggest business challenge to be lack of modern equipment used on salon . She will use the KES 20,000 loan to buy a hair dryer which will increase the hair services to customers. Her business goal is to run a hair dressing business within 5 years. This is her first loan with SMEP DTM.