George is a 26-year-old married man. He has a child who is 3 years old. He describes himself as a determined man. He operates a retail business where he sells cakes, breads and doughnuts. He has been involved in this business for 14 years. His business is located in a viable business area and his primary customers are local residents. He describes his biggest business challenge to be high prices of fuel for the motorcycle he uses to deliver cakes, bread and doughnuts to customers. He will use the 20,000 KES loan to purchase cakes for selling. His business goal is to be a supplier of food in his hometown within 5 years. He hopes that in the future, he will improve his business by meeting his customers’ demand. This is his first loan with SMEP DTM.