Joyce is a 37-year-old married woman. She has 3 children whose ages range from 6 to 14 years. She describes herself as hard working. She operates a retail business where she sells firewood. She has been involved in this business for 3 years. Her business is located within a potential business area and her primary customers are local residents. She describes her biggest business challenge to be stiff competition within the area. She will use the 20,000 KES loan to buy more firewood to sell. Her business goal is to open a retail store within 5 years. This is her first loan with SMEP DTM.