Margaret is a married woman. She has 2 children aged 2 and 9. She describes herself as being God fearing. She operates a retail business where she sells spare parts for motor vehicles. She has been involved in this business for 6 years. Her business is located in an area with a ready market and her primary customers are local people who own motor vehicles. She describes her biggest business challenge to be a lack of funds to buy more stock. She will use her KES 100,000 loan to buy more spare parts. Her business goal is to be a wholesaler of motorcycle spare parts within 5 years. This is her third loan with SMEP DTM. Her previous loan of KES 50,000 was repaid successfully. She will use the anticipated profits to expand her business.