Margaret is a 63-year-old married woman. She has 4 children that range in age from 30 to 43 years. She describes herself to be social and talkative woman. She operates a retail store where she sells household items such as sugar, salt, bread, margarine, cooking oil, etc. She has been involved in this business for 18 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 lack of funds for business expansion. She will use the Kes 20,000 loan to buy more household items to sell. Her business goal is to run a wholesale shop within 5 years. She hopes that in the future she is able to improve her business. This is her first loan with SMEP DTM.