Dorcas is a married woman. She has three children who are between 4 and 12 years old. She describes herself to be dedicated. She operates a timber yard where she sells timber. She has been involved in this business for seven years. Her business is located in a busy area. She describes her biggest business challenge to be the lack of funds. She will use the KES 30,000 loan to add to her stock of timber for resale. This is her second loan with SMEP DTM. Her previous loan was paid successfully.