Margaret is a 51-year-old married woman. She has 7 children that range in age from 10 to 33 years. She describes herself to be social and talkative woman. She operates a retail business where she sells sandals. Her business is located in a local residential area and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving her business. She will use the Kes 20,000 loan to buy more sandals to sell. Her business goal is to expand her business within 5 years. She hopes that in the future she can educate her children with profits generated from the business. This is her first loan with SMEP DTM.