Jennifer is a 34-year-old married woman. She has 2 children. She describes herself as honest and trustworthy. She operates a school and a retail shop where she provides education and sells household items. Her business is located at a competitive business area and her primary customers are local residents. She describes her biggest business challenge to be inadequate funds for improving the business. She will use the 20,000 Kenyan Shilling (KES) loan to buy stationery and household items to sell. Her business goal is to own a bigger shop within 5 years. This is her first loan with SMEP DTM.