Rose is a 40-year-old married woman. She describes herself to be a humble woman. She operates a grocery store where she sells vegetables and fruits to sell. She has been involved in this business for seven years. Her business is located in a high-traffic business area, and her primary customers are the local residents. She describes her biggest business challenge to be insufficient funds for improving her business. She will use the Kes 20,000 loan to buy vegetables and fruits to sell. Her business goal is to run a wholesale business of selling vegetables and fruits within five years. This is her first loan with SMEP DTM.