Philip is a 26-year-old married man. He describes himself to be an honest man. He operates a farm where he sells vegetables. He has been involved in this business for two years. His business is located in a productive business environment and his primary customers are local residents. He describes his biggest business challenge to be seasonal crops, which he harvests and sells when they mature. He will use the KES 20,000 loan to buy fertilizer and seeds. His business goal is to expand his business within five years. He hopes that in the future, he will create job opportunities for people on his farm. This is his first loan with SMEP DTM.