Grace is a married woman. She has 2 children. She describes herself to be hard working and jovial woman. She operates a grocery store where she sells onions. She has been involved in this business for 5 years. Her business is located at a productive business area and her primary customers are local residents. She describes her biggest business challenge to be high transportation costs. She will use the KES 10,000 loan to buy onions to sell. Her business goal is to expand her business within 5 years. This is her third loan with SMEP DTM after managing to pay back loans of KES 20,000 and 50,000 successfully.