Susan is a married woman. She has six children. She describes herself to be a patient and honest woman. She operates a retail store where she sells daily-use products such as salt, sugar, tea leaves, etc. She has been involved in this business for seven years. Her business is located within a public area and her primary customers are local residents. She describes her biggest business challenge to be stiff competition within the area. She will use the Kes 20,000 loan to buy daily-use products to sell. Her business goal is to improve her business within 5 years. This is her first loan with SMEP DTM.