Grace is a married woman. She has five children. She describes herself to be determined . She operates a green grocery store where she sells cabbages, tomatoes, onions and other vegetables. She has been involved in this business for 10 years. Her business is located in an area with regular customers. She describes her biggest business challenge to be high transport fees. She will use the Kes 20,000 loan to add stock of cabbages, tomatoes, onions and other vegetables. She hopes that in the future she will achieve her targets. This is her third loan with SMEP DTM. Previous loans were paid successfully.