Monicah is a married woman. She has 1 child. She describes herself to be honest. She operates a retail business where she makes and repairs clothes and also sells charcoal. She has been involved in this business for 3 years. Her business is located in a competitive location and her primary customers are of all types. She describes her biggest business challenge to be lack of capital. She will use the KES 20,000 loan to buy more stock of tailoring materials and charcoal. Her business goal is to own a big shop within 5 years. This is her first loan with SMEP Microfinance Bank.