Ruth is a 53-year-old married woman. She has six children whose ages range from 12 to 32 years old. She describes herself to be a social and talkative woman. She operates a general store, where she sells items such as beans, green grams, cooking fat, tea leaves, rice, maize flour, etc. She has been involved in this business for eight years and employs two staff members. Her business is located along a commercial road and her primary customers are local residents. She describes her biggest business challenge to be lack of funds for improving the business.
Ruth will use the Kes 100,000 loan to buy items such as beans, green grams and cooking fat. Ruth had taken loans from SMEP DTM of Kes 10,000 and Kes 20,000, which she managed to repay. Her business goal is to run a wholesale shop within five years. She hopes that in the future, she will be able to use the anticipated profits in educating her children .