Gladys is a 26-year-old single woman. She has two children. She describes herself to be ambitious. She operates a beauty salon where she offers hairdressing services. She also owns a grocery store where she sells vegetables. She has been involved in this business for 10 years. Her business is located in a suitable location, and her primary customers are local residents. She will use the KES 20,000 loan to buy beauty products and stock vegetables for her grocery store. She hopes that in the future, she will expand her business. This is her first loan with SMEP DTM.