Eunice is a 41-year-old married woman. She has five children with ages ranging from six to 18 years. She describes herself as an ambitious woman. She operates a green grocery where she sells kale. Her business is located at a suitable business area and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business. She will use the KES 20,000 loan to buy vegetables to sell. Her business goal is to expand her business within five years. This is her first loan with SMEP DTM.