Mary is a 53-year-old married woman. She describes herself to be determined. She operates a retail store where she sells potatoes, arrow roots and bananas. She has been involved in this business for 3 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 potatoes, arrow roots and bananas to sell. Her business goal is to build a kiosk within 5 years. This is her second loan with SMEP DTM. Her previous loan was paid successfully.