Edith is a 30 year old married woman. She has two children. She describes herself as an understanding, caring and loving woman. She operates a retail business selling clothes. She has been involved in this business for 10 years. Her business is located at a busy market and her primary customers are local residents. She says her biggest business challenge is having insufficient funds for improving the business. She will use the 40,000 Kes loan to buy clothes to sell. Her business goal is to run a boutique within five years. This is her second loan with SMEP DTM. She paid back her first loan of 30,000 Kes successfully.