Nelly is a 38-year-old married woman. She has three children with ages ranging from 9 to 15 years old. She describes herself to be ambitious. She operates a retail store where she sells traveling bags and school bags. She has been involved in this business for eight years. Her business is located in a busy and competitive area. She describes her biggest business challenge to be interference during rain season. She will use the 90,000 KES loan to buy stock of traveling bags and school bags. Her business goal is to have a big store within five years. She will use the profits to expand her business.This is her fourth loan with SMEP DTM. Previous loans were paid successfully.