Cecilia is a married woman. She has three children. She describes herself to be sincere. She operates a retail shop where she sells sugar, cooking oil, washing soap, bread etc. She has been involved in this business for five years. Her business is located in a highly populated area and her primary customers are of all types. She describes her biggest business challenge to be lack of funds. She will use the KES 30,000 loan to buy stock of bread, sugar, washing soap, cooking fat and other items. Her business goal is to expand within five years. She hopes that in the future, she will be successful in business. This is her first loan with SMEP DTM.