Grace is a married woman, age 37 years. She operates a clothes store where she sells clothes. She has been involved in this business for 4 years. Her business is located in a suburban area. She describes her biggest business challenge to be lack of enough capital. Grace will use the 50,000 KES loan to buy more stock of clothes to sell. Her business goal is to sell clothes in wholesale within 5 years. She also does farming to supplement her income. This is her third loan with SMEP DTM. Previous loans were paid successfully.