Penika is a 29-year-old mother of three. She describes herself as an honest and self-reliant woman. She is applying for a loan of KES 20,000, which will be used to buy sandals, slippers and shoes for resale. She is a hawker who runs her business along the Maua area. She sees herself with an outfits store selling her products within the next five years. This is her first loan through SMEP DTM.