Emmy is a married woman. She has five children with ages ranging from 22 years to 28 years. She describes herself to be focused and diligent. She operates a farm where she grows tea. She has been involved in this business for five years. Her business is located in a high-potential area. She will use the KES 60,000 loan to buy more tea to sell. She hopes that in the future, she will live well. This is her third loan with SMEP DTM. Her previous loan of KES 40,000 was repaid successfully.