Saingo is an 81-year-old married woman with 3 children, ranging in age from 7 years to 20 years. She describes herself as an ambitious and determined woman. She operates a farm stand and retail store where she sells cereals, such as beans, sugar, salt, and rice. She has been involved in this business for 3 years. She describes her biggest business challenge to be the high price of cereals. She will use the 20,000 KES loan to buy beans to sell. Her business goal is to be a supplier of cereals within 5 years. This is her first loan with SMEP DTM.