Rosemary is a 51-year-old woman. She has 3 children with ages ranging from 15 to 24 years. She describes herself as responsible and hardworking. She operates an M-pesa business where she offers mobile phone-based money transfer services. She has been involved in this business for 10 years. Her business is located in an area ideal for the business and her primary customers are of all types. She describes her biggest business challenge to be a lack of adequate capital. She will use her KES 20,000 loan to buy an M-pesa float (money for customers to withdraw). Her business goal is to create employment within 5 years. She hopes that in the future, she will expand her business. This is her first loan with SMEP DTM.