Grace is a single woman. She has two children. She describes herself to be hardworking. She operates a retail business where she sells sweets, flour, soap and other items. She has been involved in this business for four years. Her business is located in a market area. She will use the Kes 20,000 loan to buy more stock of sugar, flour, sweets and other items. Her business goal is to expand within five years. She hopes that in the future, she will have a better business. This is her first loan with SMEP Microfinance Bank.