James is a 37-year-old married man. He has two children aged 7 years and 9 years. He describes himself to be a social man.
He operates a farm and a retail store where he sells tea and cereals. He has been involved in this business for two years. His business is located at a busy business environment, and his primary customers are local residents and cooperatives. He describes his biggest business challenge to be a lack of finances for improving the businesses.
He will use the 20,000 KES (Kenyan shillings) loan to buy cereals to sell. His business goal is to own more retail cereal stores within five years. He hopes that in the future, he will educate his children with profits generated from the business. This is his first loan from SMEP DTM.