Miriam is a married woman. She has one child. She describes herself as determined. She operates a retail business where she sells cosmetics, clothes, and other items. She has been involved in this business for two years. Her business is located in a good area, and her customers are of all types. She describes her biggest business challenge as a lack of sufficient capital. She will use the KES 20,000 loan to increase her stock of cosmetics, clothes, and other items. Her business goal is to become prosperous within five years. This is her first loan from SMEP Microfinance Bank. She will use the anticipated profits to educate her children.