Lucy is a 27-year-old mother of 2. She describes herself as an ambitious lady. She is applying for a loan of KES 50,000 that will be used to purchase flour, sugar, etc as stock. The challenge she faces is inadequate capital for her trade. This will be her 2nd application for a loan with SMEP DTM. She sees herself in the near future owning a cafeteria store in Nakuru.