Kibibi is married and has three children. She describes herself as a focused woman. She operates a retail business where she sells firewood. She has been involved in this business for five years. Her business is located in a viable business area and her primary customers are local residents. She says her biggest business challenge is a shortage of firewood to sell. She will use the loan of 80,000 Kenyan Shillings (KES) to buy more firewood to sell. Her business goal is to run a bigger business selling firewood within five years. This is her third loan with SMEP DTM after managing to pay loans of 20,000 and 50,000 KES successfully.