Peter is a 49-year-old married man. He has 4 children ranging from 6 to 15 years old. He describes himself as a decisive man. He operates a carpentry shop where he sells furniture such as tables, chairs, cupboards, beds, wall units, etc. He has been involved in this business for 3 years. His business is located at a local residence and his primary customers are local residents. He describes his biggest business challenge to be a shortage of wood (raw materials) for making furniture. He will use the KES 15,000 loan to buy wood for making furniture to sell. His business goal is to expand his carpentry shop within 5 years. He hopes that, in the future, he can improve his family's standard of living. This is his first loan with SMEP DTM.