Beatrice is a 52-year-old married woman. She has 5 children with ages ranging from 6 years to 20 years. She describes herself to be an honest woman. She operates a retail shop where she sells farm and animal feed products. She has been involved in this business for 5 years. Her business is located at a local residential area and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the Kes 20,000 loan to buy farm and agricultural products. Her business goal is to be a wholesaler within 5 years. This is her first loan with SMEP DTM. She also runs a grocery store which increases her business income.