To: Gladys B. Smith
I chose this loan because... in memory of my mama, Gladys B. Smith
![](https://www.kiva.org/views/Dedication/img/heart-93x84.png)
Dedicated
December 20, 2015
by LS
Gladys is 23 years old. She is married with one child.
She has been operating an M-pesa (mobile money transfer) business for nine years. She will be using the loan to open a new retail shop and hopes this will help her to expand her M-pesa shop.
Her hopes and dreams for the future are to provide well for her family and educate her child well.
She is in her third loan with VisionFund Kenya of KES 100,000.