Joseph is a 45 year old married man. He has 6 children. He describes himself as an honest and ambitious man. He operates a motorcycle to provide transportation services. He has been involved in this business for 2 years. His business is located within a busy area and his primary customers are local area residents. He describes his biggest business challenge to be the frequent breakdown of his motorcycle. He will use the Kes 20,000 loan to buy another motorcycle. His business goal is to buy at least five more motorcycles within 5 years. This is his first loan with SMEP DTM.