Everline is a married woman. She has six children. She describes herself to be competent. She operates a restaurant where she cooks food to sell. She has been involved in this business for twelve years. Her business is located in an urban area and her primary customers are travelers. She will use the KES 50,000 loan to buy a deep freezer for her restaurant and add stock of ingredients for preparing the food she sells. Her business goal is to hire more staff within five years. She hopes that in the future, she will be contented. This is her third loan with SMEP Microfinance bank, and her previous loan was repaid successfully. She will use the anticipated profits to reinvest in the business.