Eliud is a 35-year-old married man. He has 3 children with ages ranging from 5 years to 10 years. He describes himself as an honest man. He operates a truck that he uses to provide transportation services. He has been involved in this business for 1 year. His business is located within an urban area and his primary customers are supermarkets and butcher shops. He describes his biggest business challenge to be the high prices of fuel. He will use the 50,000 KES loan to buy spare parts for his truck. His business goal is to start a new retail shop within 5 years. He hopes that in the future, he will improve his family's living standards. This is his second loan with SMEP DTM. He previously borrowed a loan of 20,000 KES, which he managed to pay successfully.