Mary is a Kiva borrower. She has seven children. She describes herself as focused. She operates a retail business where she sells cereals. She has been involved in this business for 10 years. Her business is located in a strategic place and her primary customers are individuals. She describes her biggest business challenge to be finances. She will use the KES 20,000 loan to buy more stock of cereals. Her business goal is to be a large supplier within five years. This is her first loan with SMEP DTM.