Esther is a 36-year-old woman. She describes herself as an entrepreneur. She operates a retail shop where she sells clothes, shoes and household goods. She has been involved in this business for 9 years. Her business is located in a good area and her primary customers are retail buyers. She describes her biggest business challenge to be high inflation. She will use the 50,000 KES loan to add stock of clothes, shoes and household goods. Her business goal is to be a wholesaler of household goods within 5 years. She hopes that, in the future, she will improve her life through the business. This her third loan with SMEP DTM. Previous loans were repaid successfully.