Mary is a 57-year-old married woman. She has four children with ages ranging from 18 to 30 years. She describes herself as creative. She has rental houses where tenants pay rent. She has been involved in this business for 10 years. She also does farming to earn extra income. Her primary customers are common citizens. She describes her biggest business challenge to be a lack of sufficient funds. She will use the KES 20,000 loan to buy iron sheets, nails, timber etc. to build more rental houses. She hopes that in the future, she will achieve her goals. This is her third loan with SMEP DTM. Her previous loan of KES 50,000 was repaid successfully.