Divinah is a 26-year-old woman. She has two children. She describes herself as honest. She operates a retail shop where she sells sugar, maize flour and other items. She has been involved in this business for 5 years. Her business is located in an area that is accessible and her primary customers are individuals. She describes her biggest business challenge to be lack of enough capital. She will use the KES 60,000 loan to add stocks of sugar, maize flour and other household items. Her business goal is to have a wholesale shop within 5 years. She hopes that in the future, she will own a piece of land. This is her third loan with SMEP DTM.