Winfred is a 30-year-old married woman. She has 2 children with ages ranging from 6 months to 9 years. She describes herself as an honest and faithful woman. She operates a beauty salon where she provides hair services. She has been involved in this business for 8 years. Her business is located within a busy town and her primary customers are ladies. She describes her biggest business challenge as delay of payment from customers. She will use the 50,000 KES loan to buy cosmetics for her beauty salon. Her business goal is to run a hairdressing school within 5 years. She hopes that in the future, she will expand her business. This is her second loan with SMEP DTM after having paid off a loan of 20,000 KES previously successfully.