Haron is a 27-year-old, married man. He has one child. He describes himself as an innovative and ambitious man. He operates a retail store, where he sells milk. He has been involved in this business for three years. His store is located in a busy business area, and his primary customers are local residents. He says his biggest business challenge is the lack of a storage facility for milk. He will use the KES 20,000 loan to buy a freezer for storing milk, so it won't spoil. His business goal is to be a big supplier of milk within five years. This is his first loan with SMEP DTM.