Nancy is a 43-year-old single woman. She has one child. She describes herself to be a jovial woman. She operates a grocery store where she sells vegetables and fruits. She has been involved in this business for 10 years. Her business is located near a busy bus stop in a busy town, and her primary customers are the general public. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the 20,000 KES loan to buy vegetables and fruits to sell. Her business goal is to be the area's main supplier of fruits and vegetables within five years. This is her first loan with SMEP DTM.