Agnes is a 35-year-old married woman. She has 3 children whose ages range from 9 years to 17 years. She describes herself as ambitious. She operates a grocery store where she sells bananas, kales, fruits, and other vegetables. She has been involved in this business for 10 years. Her business is located in an area with plenty of customers, and her primary customers are local residents. Agnes describes her biggest business challenge as inadequate finances. She will use the KES 20,000 loan to to buy more stocks of bananas, kales, fruits, and other vegetables. Her business goal is to be self-reliant within 5 years. This is her first loan with SMEP DTM.