Veronica is a married woman with three children. She describes herself as a focused woman. She operates a retail store where she sells clothing. Veronica has been involved in this business for five years with her primary customers being local residents. She describes her biggest business challenge is insufficient funds for improving the business. She will use the 20,000 KES loan to buy clothing to sell. Her business goal is to run a boutique in five years. She hopes that in the future she will be able to expand her business. This is her first loan with SMEP DTM.