Lucas is a married man. He has four children. He describes himself to be a courageous man. He operates a retail store where he provides tailoring services. He has been involved in this business for six years. His business is located in a competitive business area and his primary customers are local residents. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the KES 70,000 loan to buy fabric for making new clothes to sell. His business goal is to expand his business within five years. This is his fifth loan with SMEP DTM.