Pascalia is a married woman. She has 2 children,, aged 2 years and 4 years. She describes herself as determined. She operates a clothing store, and she has been involved in this business for 4 years. Her business is located in an urban area. She describes her biggest business challenge as a lack of sufficient capital. She will use the KES 60,000 loan to buy more stock of clothes to sell. Her business goal is to open a boutique within 5 years. She hopes that, in the future, she will be able to buy land and build her own house. This is her second loan with SMEP DTM. Her previous loan was paid successfully.