Mary is a married woman who has six children. She describes herself to be visionary. She operates a retail business where she sells firewood. She has been involved in this business for four years. Her business is located in an area with potential and her primary customers are regular. She describes her biggest business challenge to be financial constraints. She will use the KES 10,000 loan to buy more stock of firewood. Her business goal is to expand within five years. She hopes that in the future, she will improve her living standards. This is her first loan with SMEP Microfinance Bank.