Gladys is a married woman. She has 4 children. She describes herself to be a hard working woman. She operates a farm and dairy stand where she sells maize, beans and milk. She has been involved in this business for 30 years. Her business is located in a suitable 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 50,000 loan to buy cows for expanding dairy farming. Her business goal is to expand her business within 5 years. This is her third loan from SMEP DTM.