Sera is a 40-year-old, married woman. She has one child. She describes herself as a sociable woman. She operates a retail store, where she sells onions. She has been involved in this business for 10 years. Her business is located at a viable business location, and her primary customers are local residents. She says her biggest business challenge is insufficient funds for improving the business. She will use the KES 20,000 loan to buy onions to sell. Her business goal is to run a new retail shop within 5 years. This is her first loan with SMEP DTM.