Reginah is a married woman. She describes herself to be talkative. She operates a motorcycle transport business where she transports customers using a motorcycle, as well as a retail shop. Her business is located in an urban area where there are many customers. She describes her biggest business challenge to be a lack of funds. She will use the KES 20,000 loan to buy stock to start a retail shop. Her business goal is to have a taxi and a wholesale shop within 5 years. This is her first loan with SMEP DTM.