Mwanajuma is a married woman. She has seven children with ages ranging from 1 year to 18 years. She describes herself as independent. She operates a retail stall where she sells items such as soap, sugar, steel wire, cereals, sweets, flour, cooking fat and rice. She has been involved in this business for five years. Her business is located within a competitive market and her primary customers are local residents. She describes her biggest business challenge as insufficient funds for improving the business. She will use the 25,000 KES loan to buy household items to sell. Her business goal is to expand her business within five years. This is her second loan with SMEP DTM.