Daniel is a 24 year-old married man. He has three children whose ages range from 6 months to 6 years. He describes himself to be a humble and caring man. He operates a restaurant where he sells tea and snacks. He has been involved in this business for two years. His business is located at a viable business area. He describes his biggest business challenge to be insufficient capital for expanding the business. He will use the Kes 50,000 loan to pay for the renovation of the restaurant and buy food ingredients. His business goal is to improve his business within 5 years. This is his second loan with SMEP DTM, after managing to pay a previous loan of Kes 20,000 successfully.