Lorna (with her child) is a married woman. She has 5 children with ages ranging from 3 months to 18 years. She describes herself to be good woman. Lorna operates a beauty salon where she provides hair services. She has been involved in this business for 10 years. Her business is located in a slum 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 50,000 KES loan to pay school fees for her children. Her business goal is to run another beauty salon within 5 years. Lorna took a previous loan of 50,000 KES from SMEP DTM which she managed to pay successfully.