Daniel is a 36-year-old married man. He has two children, 3 years and 5 years old. He describes himself to be a hard-working man. He operates a grocery store where he sells fruits and vegetables. He has been involved in this business for seven years. His business is located within a viable business area and his primary customers are local residents. He describes his biggest business challenge to be fluctuation of vegetable and fruit prices. He will use the Kes 20,000 loan to buy fruits and vegetables for resale. His business goal is to run his business in permanent business premises within five years. This is his first loan with SMEP DTM.