Tabitha is a 31-year-old married woman. She has 2 children that are 5 and 8 years old. She describes herself to be hard working. She operates a general store where she sells household items and cereals. She has been involved in this business for 3 years. Her business is located in a busy 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 50,000 loan to buy cereals and household items. Her business goal is to expand her business within 5 years. This is her third loan with SMEP DTM. She has just successfully repaid a loan of KES 50,000.