Esther is a 53 year old single woman. She has 3 children who range in age from 19 to 32 years old. She describes herself as focused and dedicated to her work. She operates a retail tailor business where she sells clothes and provides repair to worn out clothes. She has been involved in this business for 10 years. Her business is located within a residential area. She describes her biggest business challenge to be lack of sufficient funds for improving the business. She will use the Kes 50,000 loan to buy fabric and embroidery materials to make clothes to sell. Her business goal is to open a new retail shop within 5 years. She hopes that, in the future, she will improve the living standard of her family . This is her fifth loan with SMEP DTM.