Jackline is a married woman. She has three children. She describes herself to be ambitious. She operates a retail business where she sells charcoal. She has been involved in this business for ten years. Her business is located in a suitable area and her primary customers are local residents. She will use the KES 50,000 loan to buy more stock of charcoal. Her business goal is to have a large warehouse within five years. This is her first loan with SMEP Microfinance Bank. She will use the anticipated profits to educate her children.