Isaiah is a 30-year-old married man. He has 2 children who are 10 and 13. He describes himself as honest, ambitious and courageous . He operates a retail business where he sells building stones. He has been involved in this business for 9 years. His business is located at a strategic business area and his primary customers are contractors. He describes his biggest business challenge to be the poor road network. He will use the 20,000 KES loan to buy building stones. His business goal is to rent another mining place so he can expand his business within 5 years. He hopes that in the future, he will educate his children with the profits he generates. This is his first loan with SMEP DTM.