Nyabwana is a 53-year-old divorced woman. She has seven children, with ages ranging from 12 to 31. She describes herself as being committed. She operates a beauty products and dress-making stall, where she sells beauty products and dresses. She has been involved in this business for five years. Her business is located in an area with many customers, and her primary customers are local residents. She describes her biggest business challenge as infrastructure delays. She will use the KES 60,000 loan to buy a supply of beauty products. Her business goal is to have a wholesale business within five years. She hopes that, in the future, she will have improved her living standards. This is her fifth loan from SMEP DTM. Her previous loans were paid successfully.