Milka is a married woman. She has seven children, with ages ranging from 12 to 33 years. She describes herself as a customer friendly and hard-working woman. She operates a retail store, where she sells clothes. She has been involved in this business for 12 years. Her primary customers are other businesspeople. She says her biggest business challenge is inadequate funds for expanding her business.
She will use the KES 100,000 loan to purchase clothes to sell. Her business goal is to expand her business within five years. This is her third loan with SMEP DTM, after having managed to repay a previous loan of KES 50,000, successfully.