Kibibi is a married woman. She has two children ranging from 12 to 15 years old. She describes herself to be visionary. She operates a charcoal business where she sells charcoal. She has been involved in this business for five years. Her business is located in an urban area. She describes her biggest business challenge to be getting charcoal during the rainy season. She will use the KES 75,000 loan to purchase iron sheets and a water tank. Her business goal is to construct another house within five years. This is her second loan with SMEP DTM. Her previous loan was paid successfully.