Margaret is a 32-year-old married woman. She has 2 children who are 9 and 14. She operates a beauty salon where she does hair treatment, hair plaiting and braiding. She has been involved in this business for 8 years. Her business is located in a business-friendly area and her primary customers are locals. She describes her biggest business challenge to be inadequate finances. She will use the 20,000 KES loan to to buy more hair products for her beauty salon. Her business goal is to be financially stable within 5 years. This is her first loan with SMEP DTM.