Joyce is a 34-year- old married woman. She has 2 children. She describes herself as being loyal and ambitious. She operates a retail business where she sells fruits and vegetables. She has been involved in this business for 4 years. Her business is located in a marketable place and her primary customers are regular customers. She describes her biggest business challenge to be price fluctuations. She will use the Ksh. 60,000 loan to buy stock of fruits and vegetables. Her business goal is to be a supplier of fruits and vegetables within 5 years. She hopes that, in the future, she will save enough for her family. This is her third loan with SMEP DTM. Previous loans were repaid successfully.