Stella is a 46 year old married woman. She has 3 children whose ages range from 14 to 23 years. She describes herself to be an optimistic and humble woman. She operates a retail stall where she sells clothes. She has been involved in this business for 4 years. Her business is located in a local residential area and her primary customers are local residents. She describes her biggest business challenge to be the high price of clothes. She will use the Kes 30,000 loan to buy clothes to sell. Her business goal is to expand her business within 5 years. This is her third loan with SMEP DTM after taking a loan of Kes 30,000 which she managed to pay successfully. In addition, Stella works as a school teacher which adds to her income.