Regina is a 44-year-old married woman. She has six children with ages ranging from 8 years to 21 years. She describes herself to be credible. She operates a farm where she keeps dairy cows that produce milk for selling. She has been involved in this business for 15 years. Her business is located in a profitable place, and her primary customers are local residents and business people.
She describes her biggest business challenge to be inflation of animal-feed prices, which reduces her profits. She will use the 70,000 KES (Kenyan shillings) loan to buy animal feeds and a heifer. Her business goal is to be a leading milk trader in the area within five years. She hopes that in the future, she will be self-reliant. This is her fourth loan with SMEP DTM. Previous loans of KES 20,000, 40,000 and 80,000 were repaid successfully.