Michael is a married man. He has four children ranging in age from 4 to 11 years old. He describes himself as courageous and caring.
Michael operates a retail shop where he sells household items such as sugar, tea leaves, rice, sweets, soda, etc. He has been involved in this business for seven years. His business is located within a potential business area and his primary customers are the general public. He describes his biggest business challenge as insufficient funds for improving his business. He will use the KES 20,000 loan to buy household items to resell. His business goal is to expand his business within five years. This is his first loan with SMEP DTM. He is also a small-scale farmer and he sells farm products .