Joyce is a 42-year-old married woman. She has 4 children with ages ranging from 8 to 15 years. She describes herself to be an optimistic woman. She operates a retail business where she sells curtains. She has been involved in this business for 5 years. Her business is located in a potential business area and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business. Joyce will use the 20,000 KES loan to buy more curtains. Her business goal is to run a fully-stocked business with curtains within 5 years. She hopes that in the future, she will build a permanent business location. This is her first loan with SMEP DTM.