Regina is a 41-year-old married woman. She has 4 children that range in age from 12 to 22 years. She describes herself to be humble and loving. She operates a farm stand and retail business where she sells maize, beans, cereals, mangoes etc. She has been involved in this business for 3 years. Her business is located in a visible business area and her primary customers are local residents. She describes her biggest business challenge to be lack of funds for improving the business. She will use the KES 20,000 loan to buy cereals to sell. Her business goal is to be a supplier of cereals within 5 years. She hopes that in the future, she will improve her business. This is her first loan with SMEP DTM.