Jane is a 46 year old married woman. She has 4 children. She describes herself as determined and goal oriented. She operates a retail business where she sells clothes. She has been involved in this business for 6 years. Her business is located in a competitive place and her primary customers are of all types. She describes her biggest business challenge to be lack of enough stock. She will use the Kes 80,000 loan to buy more stock of clothes for resale. Her business goal is to own her own business premise within 5 years. Currently she has rented a place to do her business. She hopes that in the future she will have the best boutique. This is her third loan with SMEP DTM. Previous loan of kes 40,000 was repaid successfully. She will use the anticipated profits to pay school fees for her children and also pay rent for her business premise. Previously she was selling groceries.