Regina is a 36 year old and married. She has 7 children with ages ranging from 1 to 16 years. She describes herself to be credible. She operates a restaurant where she sells food and drinks. She has been involved in this business for 5 years. Her business is located in a profitable area and her primary customers are local residents. She describes her biggest business challenge to be inflation of prices. She will use the KES 70,000 loan to buy tables and chairs for use in her restaurant. Her business goal is to become the leading restaurant within 5 years. She hopes that in the future, she will be self reliant. This is his third loan with SMEP DTM. A previous loan of KES 20,000 was repaid successfully.