Selestine is a 30-year-old single woman. She describes herself as polite. She operates a retail business where she sells handbags, shoes, dresses and other items. She has been involved in this business for seven years. Her business is located in an urban area and her primary customers are the general public. She will use the KES 25,000 loan to buy more stock of handbags, shoes, dresses and other items. Her business goal is to expand within five years. She hopes that in the future, she will be happy. This is her second loan with SMEP DTM. Her previous loan was repaid successfully.