Ambrose is a 44-year-old married man. He has 3 children that range in age from 6 to 20 years. He describes himself as a God fearing and focused man. He operates a business where he provides landscaping services to customers. He has been involved in this business for 9 years. His business is located within an urban area and his primary customers are financial institutions, business owners and residents within the area. He describes his biggest business challenge as being insufficient funds for improving the business. He will use the Kes 20,000 loan to buy landscaping materials. His business goal is to expand his business to the western province within 5 years. He hopes that in the future, he will be able to educate his children with the profits generated from the business. This is his first loan with SMEP DTM.