Victoria is a married woman. She has three children. She describes herself as determined and strong. Victoria operates a retail stall where she sells clothes. She has been involved in this business for five years. Her business is located in a competitive 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 clothes to sell. Her goal is to expand her business within 5 years. This is her first loan with SMEP DTM.