Jemmimah is a 33 year old single woman. She describes herself to be patient and tolerant. She operates a boutique where she sells second hand clothes. She has been involved in this business for 5 years. Her business is located in a shopping centre. She describes her biggest business challenge to be inadequate capital for expansion. She will use the KES 20,000 loan to buy more clothing to sell at her store. This is her 1st loan application with SMEP DTM.