Esther is a Kiva borrower. She describes herself to be a determined and ambitious woman. She operates a beauty salon where she provides hair services. She has been involved in this business for 10 years. Her business is located within an urban business environment. She describes her biggest business challenge to be the high cost of paying employees. She will use the KES 50,000 loan to buy beauty products. Her business goal is to run a bigger beauty salon within five years. This is her third loan with SMEP DTM after managing to pay a previous loan of KES 20,000 successfully.