Beatrice is a 36-year-old married woman. She has 4 children with between 4 and 20 years old. She describes herself as hard working. She operates a retail business where she sells curios. She has been involved in this business for 5 years. Her business is located at a viable business area and she has a large number of customers. She describes her biggest business challenge as insufficient funds for improving her business. She will use the 15,000 KES loan to buy curios to sell. Her business goal is to be a supplier of curios within 5 years. This is her first loan with SMEP DTM.