Alice is 40 years old, married and has five children whose ages range from 4 to 17. She describes herself as honest. She operates a grocery store where she sells produce, including bananas and tomatoes. She has been involved in this business for three years. Her business is located in a market area and her primary customers are travelers. She describes her biggest business challenge to be a shortage of stock for sale. She will use the KES 20,000 loan to add to her stock of bananas for resale. She hopes that in the future, she will be selling milk wholesale. She will use the anticipated profits to buy a dairy cow. This is her first loan with SMEP DTM.