James is married and has 3 children. He describes himself as a patient man. For the past 3 years, James has operated a retail shop where he sells items such as tires, bulbs, brakes, etc. His business is located in a busy area and his primary customers are local residents. James describes his biggest business challenge to be insufficient finances for business improvement. He will use this KES 20,000 loan to buy tires for resale. James' business goal is to run a new business selling vehicles within 5 years. This is his first loan with SMEP DTM.