Lucy is a 48-year-old married woman. She has 2 children, ages ranging from 21 to 24 years. Lucy describes herself to be an innovative woman. She operates a retail business where she sells clothes. She has been involved in this business for 10 years. Her business is located within a potential business area and her primary customers are local residents. Lucy describes her biggest business challenge to be frequently changing fashion styles. She will use the 20,000 KES loan to pay for her children's school fees. Her business goal is to move her business to a more viable business environment within 5 years. This is her first loan with SMEP DTM.