Lucia is a 24 year-old married woman. She has one child. She describes herself to be an honest and ambitious woman. She operates a food stall where she sells roasted maize. She has been involved in this business for two years. Her business is located near a busy market. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the Kes 20,000 loan to buy maize for roasting. Her business goal is to expand her business within five years. This is her first loan with SMEP DTM.