Caroline is a 44-year-old married woman. She has two children with ages ranging from 6 months to 2 years. She describes herself as an ambitious woman. She operates a retail business where she sells clothes. She has been involved in this business for six years. Her business is located within a market place and her primary customers are local residents. She describes her biggest business challenge as a lack of funds to expand the business. She will use the 30,000 KES loan to buy clothes to sell. Her business goal is to expand her business within five years. This is her second loan with SMEP DTM.