Zipporah is a 28-year-old married woman who has 2 children, 3 and 8 years old. She describes herself as focused. For the past 4 years, Zipporah has operated a retail stall where she sells clothes. Her business is located in a competitive market and her primary customers are students' guardians and parents. Zipporah describes her biggest business challenge to be the changing fashion styles. She will use this KES 40,000 loan to buy more school uniforms to sell. Zipporah's business goal is to expand her business within 5 years. She hopes to run a stable business in the future. This is Zipporah's third loan with SMEP DTM, having previously taken out and successfully repaid a loan of KES 20,000.