Rachael is a married woman. She has 11 children with ages ranging from 20 years to 43 years. She describes herself to be confident. She operates a farm where she grows tea to sell. She has been involved in this business for four years. Her business is located in a favorable environment and her primary customers are small scale. She describes her biggest business challenge to be unfavorable weather, which affects tea. She will use the Kes 10,000 loan to buy more stock of tea leaves for resale. Her business goal is to be successful within five years. She hopes that in the future, she will prosper. This is her first loan with SMEP DTM. She also does dairy farming.