Elizabeth is a married woman. She has three children. She operates a retail business where she sells drinks and other food stuffs. She has been involved in this business for eight years. Her business is located in a marketable area and her primary customers are the general public. She describes her biggest business challenge to be insufficient capital. She will use the Kes 20,000 loan to buy more stock of drinks and food stuffs. Her business goal is to have many businesses within five years. She hopes that in the future, she will have a successful life. This is her first loan with SMEP Microfinance Bank.