Lucy is a 41-year-old married woman. She has 4 children. She describes herself as talkative. She operates a bakery where she bakes and sells cakes. Her business is located in an urban area and her primary customers are local residents. She describes her biggest business challenge to be lack of sufficient funds. She will use the 20,000 KES loan to buy baking powder and wheat flour for baking. Her business goal is to have a wholesale shop within 5 years. This is her first loan with SMEP DTM.