Ruth is a married woman. She has two children. She describes herself as motivated. She operates a clothes store where she makes clothes to sell. She has been involved in this business for seven years. Her business is located in a good area and her primary customers are local residents. She describes her biggest business challenge as lack of enough funds. She will use the KES 46,000 loan to buy threads, cloth sheets and other materials for making clothes. She hopes that in the future, she will improve her living standards. This is her third loan with SMEP DTM.