Edward is a 32-year-old married man. He has two children with ages ranging from two years old to eight years old. He describes himself to be a humble man. He operates a motorcycle transportation service. He has been involved in this business for one year. His business is located within a slum area, and his primary customers are the local residents. He describes his biggest business challenge to be insecurity within the area. He will use the Kes 20,000 loan to buy a motorcycle. His business goal is to own a taxi within five years. This is his first loan with SMEP DTM.