Alex is a 30-year-old married man. He has 3 children, whose ages range from 1 year to 4 years. He describes himself to be a God-fearing and loving man. He provides transportation with a motorcycle he operates. He has been involved in this business for 3 years. His business is located at an urban area and his primary customers are local residents. He describes his biggest business challenge to be high fuel prices. He will use the KES 20,000 loan to buy motorcycle spare parts. His goal is to improve his business within 5 years. He hopes that in the future, he will buy another motorcycle. This is his second loan with SMEP DTM; he used the first loan to improve his grocery store business.