Oclar is a 45 year old married woman. She has 5 children with ages ranging from 5 to 26. She describes herself as organized. She operates a timber store where she sells timber and firewood. She has been involved in this business for 15 years. Her business is located in a good area and her primary customers are carpenters. She describes her biggest business challenge to be that some customers buy timber on credit and fail to pay on time. She will use the KES 50,000 loan to purchase more timber. Her goal is to expand the business within 5 years. She hopes that in the future, she will be able to raise the living standard of her family. This is her second loan with SMEP DTM. Her previous loan was repaid successfully.