Milka is a 26-year-old married woman. She has 1 child. She operates a retail business where she sells bread, milk, drinks, cakes, salt, biscuits and other items. Her business is located in an urban area. She will use the loan of 20,000 Kenyan shillings to add to her stock of bread, drinks, milk, sugar, soap and other items. Her business goal is to have a wholesale store within 5 years. This is her first loan with SMEP DTM.