Samuel is a married man. He has three children with ages ranging from 10 years to 14 years. He describes himself as an honest man. He operates a business providing transportation services. He has been involved in this business for two years. His business is located within a viable business area and his primary customers are local residents. He describes his biggest business challenge as the frequent breakdown of his motorcycle. He will use the 50,000 KES loan to buy another motorcycle to increase transportation services. His business goal is to own many motorcycles within five years. He hopes that in the future he will buy his own land. This is his third loan with SMEP DTM. Samuel also works as a security guard which increases his income.