Milkah is a 28-year-old married woman. She has one child who is 4-years-old. She describes herself to be innovative. She operates a retail business where she sells scrap metal. She has been involved in this business for six years. Her business is located in an area with potential. She describes her biggest business challenge to be lack of enough capital. She will use the KES 100,000 loan to buy more stock of scrap metal for sell. Her business goal is to operate a wholesale business within five years. This is her second loan with SMEP DTM. Her previous loan of KES 20,000 was repaid successfully. She will use the anticipated profits to invest back into her business.