Kesia is a married woman. She has six children. She describes herself as creative. She operates a hotel where she sells bone soup. 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 40,000 loan to buy meat, bones and other items. Her business goal is to own a big hotel within five years. This is her second loan with SMEP DTM.