Pili is a 27-year-old married woman. She has one child. Pili operates a charcoal business and transport service where she sells charcoal. She has been involved in this business for 4 years. Her business is located in a highly populated area and her primary customers are of all types. She describes her biggest business challenge to be the inavailability of stock. She will use the KES 50,000 loan to buy stocks of charcoal. Her business goal is to own a big retail store for charcoal and buy a pick-up within 5 years. She hopes that in the future, she will succeed in business and life. This is her second loan with SMEP DTM. The previous loan was repaid successfully.