Sharon is a 28 year old married woman. She describes herself as caring and warm . She operates a retail tailor business where she sells clothes that she makes. She has been involved in this business for 4 years. Her business is located in a very competitive area and her primary customers are residents. She describes her biggest business challenge to be the delay of payment from customers. She will use the Kes 30,000 loan to buy clothing material for sewing clothes to sell . Her business goal is to improve her business within 5 years. She hopes that in the future, she will run a tailoring school. This is her second loan with SMEP DTM.