Martha is a 52-year-old married woman. She has 2 children age 10 and 24. She describes herself as determined. She operates a retail business where she sells maize cereals. She has been involved in this business for 6 years. Her business is located in a strategic place and her primary customers are individuals and schools. She describes her biggest business challenge to be non-payment by some clients. She will use the 80,000 KES loan to buy more maize to sell. This will enable her to increase her stock and sales, hence increasing her profits. Her business goal is to open a big store within 5 years. This is her second loan with SMEP DTM. Her previous loan of 20,000 KES was repaid successfully. She will use the anticipated profits to educate her children.