Lilian is a 31-year-old married woman. She has two children with ages three and 15 years. She describes herself to be ambitious. She operates a retail business where she sells clothes. She has been involved in this business for three years. Her business is located in an urban area and her primary customers are ladies and students. She describes her biggest business challenge to be theft. She will use the KES 20,000 loan to buy more stocks of clothes. Her business goal is to be prosperous within five years. This is her first loan with SMEP DTM. She will use the anticipated profits to open a boutique.