Norah is a 41-year-old widow. She has four children ranging in age from 9 to 22. She describes herself as committed. She operates a retail business where she sells cereals. She describes her biggest business challenge to be low numbers of customers. Norah will use the 20,000 KES loan to buy more stock of cereals. She hopes that in the future, she will improve her standard of living. This is her first loan with SMEP DTM.