Susan is a 36-year-old married woman. She has 1 child . She describes herself to be innovative. She operates a retail shop where she sells flour, sugar, cooking oil and other items. She has been involved in this business for four years. Her business is located in an urban area. She describes her biggest business challenge to be lack of capital. She will use the KES 10,000 loan to buy more sugar, washing soap, flour and other items to sell in her shop. Her business goal is to have a big shop within five years. This is her first loan with SMEP DTM.