Shelmith is a 26-year-old married woman. She has one child who is four months old. She describes herself to be determined. She operates a retail business where she sells compact discs and DVDs. She has been involved in this business for three years. Her business is located in a conducive environment and her primary customers are small scale customers. She describes her biggest business challenge to be low returns. She will use the 20,000 KES loan to buy more CDs and DVDs. Her business goal is to be successful within five years. She hopes that in the future, she will succeed. This is her first loan with SMEP DTM.