Hellen is a 55-year-old married woman. She has 4 children between the ages of 2 and 27. She describes herself as humble, caring and hardworking. She operates a retail store where she provides maize-grinding services to customers. She has been involved in this business for 3 years. Her business is located in a convenient business environment and her primary customers are local residents. She describes her biggest business challenge as insufficient funds for improving the business. She will use this 20,000 KES loan to buy a new grinding machine. Her business goal is to build a large permanent building that will accommodate many mills for grinding maize into maize flour so she can satisfy the high demand of customers within 5 years. This is her first loan with SMEP DTM.