Josphat is a 62-year-old married man. He has seven children. He describes himself to be a social and jovial man. He operates a food stall where he sells snacks such as doughnuts. He has been involved in this business for two years. His business is located at a strategic area and his primary customers are local residents. He describes his biggest business challenge to be the high price of ingredients used for preparing the snacks. He will use the KES 20,000 loan to buy ingredients for preparing snacks to sell at his food stall. His business goal is to expand within five years. This is his second loan with SMEP DTM after managing to repay a loan of KES 10,000.