Ruth is a 32-year-old married woman. She has three children with ages ranging from one year to 13 years. She describes herself as an ambitious woman. She operates a retail store where she sells milk and retail products. She has been involved in this business for seven years. Her business is located in a potential business area and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business.
She will use the KES 20,000 loan to buy home products and milk to sell. Her business goal is to run multiple retail shops within five years. This is her first loan with SMEP DTM.