Dorcas is a 55-year-old married woman. She has 3 children with ages ranging from 28 to 36 years. She describes herself to be determined. She operates a clothing retail store where she sells clothes. She has been involved in this business for 8 years. Her business is located in an urban area. She describes her biggest business challenge to be a lack of enough capital. She will use the 30,000 KES loan to to buy more clothes to sell. Her business goal is to have a bigger shop and add more products within 5 years. This is her second loan with SMEP DTM. Her previous loan was paid successfully.