David is a 35-year-old married man. He has three children with ages ranging from 5 years to 14 years. He describes himself to be a faithful man. He operates a van in which he provides transportation services. He has been involved in this business for 15 years. His business is located at a viable 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 30,000 loan to add to his savings and buy a van. His business goal is to own three vehicles within five years. He hopes that in the future he will educate his children with profits generated from the business. This is his third loan with SMEP DTM. He managed to pay a loan of KES 20,000 successfully.