Harriet is a 22-year-old married man. He describes himself as an energetic and humble man. He operates a retail business selling khat (a plant containing a stimulant). He has been involved in this business for 5 years. His business is located at a market with a lot of potential, and his primary customers are local residents and customers from the neighboring country. He describes his biggest business challenge as stiff competition within the area. He will use the loan of 20,000 KES to buy more khat to sell. His business goal is to buy a car within 5 years to help in transporting the khat to customers. This is his first loan with SMEP DTM.