Truphena is a 44-year-old married woman. She has three children. She describes herself as determined. She operates a shop where she sells curtains. She has been involved in this business for three years. Her business is located in a competitive area and her primary customers are of all types. She describes her biggest business challenge as lack of capital. She will use the KES 20,000 loan to add stock of curtains for resale. Her business goal is to own a big business within five years. She hopes that in the future, she will own a big stall full of curtains. This is her first loan with SMEP DTM.