Lorna is a 56-year-old married woman. She has six children with ages ranging from 14 years to 32 years. She describes herself as a focused and ambitious woman. She operates a retail business where she sells firewood. She has been involved in this business for 15 years. Her business is located within a competitive business environment and her primary customers are local residents. She describes her biggest business challenge to be high prices of timber for firewood. She will use the Kes 15,000 loan to purchase more firewood to sell. Her business goal is to own a hardware shop within 5 years. This is her first loan with SMEP DTM.