Jane is a 57-year-old single woman. She has 6 children with ages ranging from 20 years to 35 years. She describes herself as determined. She operates a retail shop in which she sells water, drinks, sweets, and other items. She has been involved in this business for 10 years. Her business is located in an urban area. She says her biggest business challenge is lack of enough capital. She will use the KES 40,000 loan to to buy more drinks for stocking her retail shop. Her business goal is to be a supplier within 5 years. This is her fifth loan with SMEP DTM. Previous loans were paid successfully.