Joyce is a single woman. She has two children. She describes herself as determined. She operates a beauty salon, where she offers hairdressing services. She has been involved in this business for four years. Her business is located in a residential area and her primary customers are local residents. She describes her biggest business challenge to be lack of a spacious business premise. She will use the 100,000 KES loan to buy more hair chemicals and hair dryers, and to rent more space for her business.
Joyce's business goal is to have several salons within five years. She hopes that in the future, she will buy a piece of land. This is her fourth loan with SMEP DTM. A previous loan of 50,000 KES was repaid successfully. She will use the anticipated profits to pay school fees for her children.