Rosemary is a married woman. She has three children with ages ranging from two to 12 years. She describes herself to be reliable. She operates a grocery stall where she sells groceries. Rosemary has been involved in this business for three years. Her business is located in an urban area where there are many customers. She describes her biggest business challenge to be inadequate capital. She will use the KES 20,000 loan to buy more groceries like cassava to sell. Her business goal is to expand the business within five years. She hopes that in the future, she will be prosperous. This is her first loan with SMEP DTM.