Maricella (on the left in the photograph) is a 51 year-old married woman with 6 children--the eldest is 27 and youngest is 8. She describes herself as trustworthy and would like to apply for a loan of KES 20,000. The loan will be used to purchase beans and maize as stock for her business. She has been in this business for 3 years. This is her second successive loan through SMEP DTM.