Ruth is a 29-year-old, married woman. She describes herself as a hard-working woman. She operates a retail stall, where she sells clothes. Her business is located alongside a busy shopping center, and her primary customers are residents of the neighborhood. She says her biggest business challenge is stiff competition in the area. She will use the KES 20,000 loan to buy more clothes to resell. Her business goal is to expand her business within five years. This is her first loan with SMEP DTM.