George is a married man. He has 6 children ranging in age from 15 years to 28 years. He describes himself as ambitious. He operates a grocery store and a farm where he sells vegetables such as maize, beans, cabbage, kale etc . He has been involved in this business for 3 years. His business is located within an urban area and his primary customers are schools, institutions and hotels . He describes his biggest business challenge to be insufficient funds for improving the business. He will use the KES 20,000 loan to buy vegetables and fruits to sell . His business goal is to be a large supplier of fruit and vegetables within 5 years. This is his first loan with SMEP DTM.