Senaithy is a 37 year old single woman. She has 2 children. She describes herself as a God-fearing woman. She operates a retail store where she sells grains such as maize, beans and animal feed. She has been involved in this business for 5 years. Her business is located in a busy area and her primary customers are from this densely populated area. She describes her biggest business challenge as insufficient funds for improving her business. She will use the 30,000 KES loan to buy maize to sell. Her business goal is to sell cereals at wholesale within 5 years. She hopes that in the future, she will build a house. This is her second loan with SMEP DTM. Previously, she took out a loan of 20,000 KES and paid it off successfully.