Beth is a married woman. She has four children with ages ranging from three years to 17 years. She describes herself as honest and trustworthy. She operates a retail store where she sells charcoal. Beth has been involved in this business for three years. Her business is located in a competitive business area and her primary customers are local residents. She describes her biggest business challenge as insufficient funds for improving the business. She will use the 20,000 KES loan to buy charcoal to sell. Her business goal is to run a big charcoal retail store within five years. This is her first loan with SMEP DTM.