Earnest is a 35 year old married man. He has 5 children, ages ranging from 1 year to 14 years. He describes himself to be focused man.
Earnest operates a motorcycle, providing transportation services. He has been involved in this business for 4 years. His business is located in a viable business environment and his primary customers are daily passengers from his home area. He describes his biggest business challenge to be frequent break down of the motorcycle. He will use the KES 20,000 loan to purchase motorcycle spare parts. His business goal is to improve his business within 5 years. He hopes that in the future, he will build a house for his family. He previously took a loan of KES 20,000 with SMEP DTM, which he managed to repay successfully.