Francis is a married man. He has three children. He describes himself as a hard-working man. He operates a general store, where he sells electronics and utensils. He has been engaged in this business for six years. His business is located in a busy area, and his primary customers are from the general public. He describes his biggest business challenge as stiff competition in the area. He will use the KES 50,000 loan to buy electronics and utensils. His business goal is to run a bigger general store selling electronics and utensils within five years. This is his third loan from SMEP DTM. He managed to repay his previous loan of KES 50,000 successfully.