Changawa is a 26-year-old married woman. She has two children. She describes herself as a social woman. She operates a retail business where she sells charcoal. She has been involved in this business for two years. Her business is located in a highly populated area and her primary customers are local residents. She describes her biggest business challenge to be inadequate stock of charcoal to sell. She will use the Kes 20,000 loan to buy charcoal to sell. Her business goal is to run a retail shop within five years. This is her first loan with SMEP DTM.