Caroline is a 33-year-old single woman. She has a child who is 10 years old. She describes herself to be determined. She operates a tailoring business where she sells suits. She has been involved in this business for five years. Her business is located in a shopping center. She describes her biggest business challenge to be inadequate capital for expansion. She will use the KES 20,000 loan to purchase material for tailoring suits. This is her first loan application with SMEP DTM.