Grace is a 54-year-old married woman. She has 5 children with ages ranging from 18 years to 32 years. She describes herself as an innovative woman. She operates a grocery store where she sells vegetables and fruit. She has been involved in this business for 10 years. Her business is located in a strategic business area and her primary customers are schools, local residents and a hotel. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the KES 50,000 loan to buy fruit and vegetables to sell. Her business goal is to expand her business within 5 years. She hopes that in the future, she will employ youth in her business. This is her second loan with SMEP DTM. Previously, she took a loan of KES 20,000 which she managed to pay successfully.