Rael is a married woman. She has 2 children. She describes herself to be a business-minded woman. She operates a grocery store where she sells vegetables and fruits. She has been involved in this business for 7 years. Her business is located in an ideal business environment and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business . She will use the Kes 20,000 loan to buy vegetables and fruits to resell. Her business goal is to expand her business within 5 years. This is her first loan with SMEP DTM.