Grace is a 36 year old married woman. She has 2 children. She describes herself as humble and hard working . She operates a restaurant where she sells tea, food and snacks. She has been involved in this business for 3 years. Her business is located near a busy market and her primary customers are the general public. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the Kes 20,000 loan to buy food ingredients for preparing meals to sell. Her business goal is to run a big hotel within 5 years. This is her first loan with SMEP DTM.