Mercy is a 27-year-old married woman. She has one child who is 12 years old. She describes herself to be determined and honest. She operates a boutique where she sells both male and female clothes. She has been involved in this business for 7 years. Her business is located in a safe and secure area for running the business and her primary customers are locals. She describes her biggest business challenge to be finances. She will use the KES 20,000 loan to buy stocks of clothes. Her business goal is to have a profitable business within 5 years. She hopes that in the future, she will be able to increase her stock. This is her first loan with SMEP DTM.