Mary is a 42-year-old married woman. She has 7 children. She describes herself as determined. Mary operates a grocery shop where she sells tomatoes, onions, kale, and fruit. She has been involved in this business for 3 years. Her business is located in a competitive area and her primary customers are of all types. She describes her biggest business challenge to be lack of enough capital to expand. She will use the KES 30,000 loan to buy stocks of tomatoes, onions, kale, and fruit. Her business goal is to own a big shop within 5 years. This is her second loan with SMEP DTM.