Josphine is a married woman. She has six children. She describes herself to be a determined and ambitious woman. She operates a farm business where she sells maize, tomatoes, cabbages, etc . She has been involved in this business for 16 years. Her business is located in a local residential area, and her primary customers are local residents. She describes her biggest business challenge to be lack of enough water for irrigation during the dry season. She will use the 15,000 KES loan to buy seedling. This is her first loan with SMEP DTM. In addition, Josephine does livestock farming which adds to her business income.