Patrick is a 43 year old married man. He has five children. He describes himself as an industrious, optimistic man, a go-getter. He operates a motorcycle, which he uses to provide transportation services. He has been involved in this business for four years. His business is located in an urban area near a university school, and his primary customers are students from the nearby university . He describes his biggest business challenge to be insufficient funds to improve the business. He will use the KES 20,000 loan to buy motorcycle spare parts. His business goal is to own multiple motorcycles within five years. He hopes that, in the future, he will educate his children with the profits generated from the business. This is his first loan from SMEP DTM.