Judy is a 40-year-old woman. She describes herself to be goal oriented. She operates a retail shop where she sells sugar, bread, sweets, juices and other items. She has been involved in this business for 5 years. Her business is located in a conducive environment for a shop and her primary customers are ordinary people. She describes her biggest business challenge to be lack of funds. She will use the KES 50,000 loan to add stock of sugar, bread, flour and other items she sells. Her business goal is to have a wholesale business within 5 years. She hopes that in the future, she will be financially stable. This is her second loan with SMEP DTM.