Elphas is a 28 year old single man. He describes himself as honest and trustworthy. He operates a retail business where he sells stationery and printing papers. He has been involved in this business for 3 years. His business is located in a very competitive business environment and his primary customers are primary schools and colleges. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the Kes 20,000 loan to buy stationery to sell. His business goal is to improve his business within 5 years. He hopes that in the future, he will be a big supplier. This is his first loan with SMEP DTM.