Jane is a single woman. She has 2 children, ages 8 years and 10 years. She describes herself to be jolly. She operates a retail shop where she sells soda, water and beverages. She has been involved in this business for 8 years. Her business is located in a market area, and her primary customers are retailers. She describes her biggest business challenge to be lack of enough funds to boost business. She will use the 20,000 KES loan to buy a stock of beverages. She hopes that in the future, she will have her own home. This is her first loan with SMEP DTM. She will use the anticipated profits to pay back the loan and save the rest.