Virginia is a 34-year-old married woman who describes herself as determined. She has four children ranging from six years to thirteen years old. Virginia operates a salon in a shopping centre, where she provides hair and beauty treatments and products. She has been involved in this business for five years and describes her biggest business challenge as gaining enough capital for expansion. She will use the 20,000 Kenyan shillings (KES) loan to add to her stock of hair and beauty products. This is her first application for a loan with SMEP DTM.