Esther is a 41-year-old married woman. She has 4 children ranging in age from 1 to 15. She describes herself as committed. She operates a farm where she keeps poultry and grows crops. She has been involved in this business for 3 years. Her business is located in a strategic place. She describes her biggest business challenge as changes in the weather . She will use the 80,000 KES loan to buy more poultry, animal feed and farm inputs like fertilizer and seeds. Her business goal is to own a large farm within 5 years. This her second loan with SMEP DTM. Her previous loan of 20,000 KES was repaid successfully. She will use the anticipated profits to repay the loan and diversify her business.