Joyce is a 38-year-old single woman. She has a child who is 8 years old. She describes herself as honest. Joyce operates a hotel where she sells food to customers. She will use this KES 30,000 loan to buy a solar panel to fix in the hotel. She hopes that in the future she will expand her business. This is her second loan with SMEP DTM. She repaid her previous loan of KES 20,000 successfully.