Christopher is a 32-year-old married man. He has one child. He describes himself to be honest and determined. He operates a restaurant where he sells food, tea, and snacks. His business is located within a slum, and his primary customers are residents from the slum. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the 20,000 KES loan to pay for the renovation of the business premises. His business goal is to diversify his business within five years. He hopes that in the future, he will expand his business and meet his family's financial needs with the profits. This is his first loan with SMEP DTM.