Beth is a 42-year-old married woman with five children. She describes herself as a trustworthy woman. She operates a tailoring business in Rongai area. She describes the area as busy and with inadequate infrastructure. She is applying for a loan of KES 20,000, which will be used to buy materials for sewing i.e threads,sheets of cloth needles etc. The anticipated profits will be used to buy another sewing machine and employ more employees. This is her first loan application to SMEP DTM.