Beatrice is a 25-year-old married woman. She has four children. She describes herself to be an honest and humble woman. She operates a retail store where she sells undergarments. Her business is located within a slum area, and her primary customers are residents from the slum area. She describes her biggest business challenge to be insufficient funds for improving her business. She will use the Kes 40,000 loan to buy undergarments to sell. Her business goal is to own a boutique within 5 years. This is her second loan with SMEP DTM after managing to pay a previous loan of Kes 12,000 successfully.