Carolin is a single woman. She has two children with the ages of three and 17 years. She describes herself to be humble. She operates a toilet service where customers use the toilet at a cost. She has been involved in this business for two years. Her business is located in a slum setting and her primary customers are the general public. She describes her biggest business challenge to be lack of funds. She will use the KES 20,000 loan to add more toilets. Her business goal is to have multiple toilets and water sources within five years. This is her first loan with SMEP DTM.