Stephen (with his child in the picture) is a 39-year-old married man. He has four children with ages ranging from two years to eleven years. He describes himself to be an honest and ambitious man. He operates a retail business where he sells fish. He has been involved in this business for two years. His business is located within a busy market and his primary customers are local residents. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the Kes 20,000 loan to purchase fish to sell. His business goal is to expand his business within five years. This is his first loan with SMEP DTM.