Connie is a 31-year-old married woman. She has one child. She describes herself to be good woman. She operates a retail store where she provides M-pesa services. She has been involved in this business for 3 years. Her business is located in a viable business area and her primary customers are local residents. She describes her biggest business challenge to be delayed payments by customers. She will use the Kes 20,000 loan to add to her float for the M-pesa services. Her business goal is to run three more M-pesa outlets within 5 years. She hopes that in the future she can improve her business. This is her first loan with SMEP DTM.