Elizabeth is a 32-year-old single woman. She describes herself as a goal-oriented person. She operates a retail shop where she sells clothing. Her business is located in an area with market and her primary customers are the general public. She describes her biggest business challenge to be inadequate funds. She will use the 20,000 KES loan to purchase stock of clothing for her shop. Her business goal is to own a boutique shop within five years. She hopes that in the future, she will be financially stable. This is her first loan with SMEP-DTM. She will use the anticipated profits to pay back the loan.