Carren is a married woman. She has 6 children. She describes herself to be optimistic. She operates a retail business where she sells fish. She has been involved in this business for 15 years. Her primary customers are of all types. She describes her biggest business challenge to be lack of capital. She will use the KES 80,000 loan to buy more stock of fish. Her business goal is to own a freezer for storing fish within 5 years. She hopes that in the future she will educate her children. This is her fifth loan with SMEP Microfinance Bank. Previous loans were repaid successfully. She will use the anticipated profits to expand the business.