Lucy is a 35-year-old single woman. She has a child who is 15 years old. She describes herself to be an optimistic woman. She operates a grocery store where she sells fruits such as mangoes, oranges, etc. She has been involved in this business for six years. Her business is located within a potential business area, and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the 20,000 KES loan to buy fruits to sell. Her business goal is to be a major supplier of fruits within five years. This is her second loan with SMEP DTM, after managing to repay a previous loan of 10,000 KES.