Peter is a 42 year old married man. He has a son who is 18 years old. He describes himself to be a determined man. He operates a food stall and a real estate business. He sells items such as maize, beans, cabbages, onions and provides housing accommodation . He has been involved in this business for 9 years and employs 4 staff members. His business is located within a conducive business environment and his primary customers are local residents. He describes his biggest business challenge to be poor road connections to business premises. He will use the Kes 70,000 loan to pay for the renovation of the rental houses worth Kes 30,000 and cereals worth Kes 40,000. His business goal is to expand his business so as to increase the working capital to Kes 400,000 within 5 years. Peter, this is his fifth loan. He had earlier taken loan proceeds of Kes (20,000, 30,000, 40,000, 50,000) from SMEP DTM which he repaid well. He hopes that in the future, he will be a supplier of cereals.