Kenedy is a 29-year-old married man. He has two children ages four years and six years. He describes himself to be an honest and ambitious man. He operates a bicycle where he provides transportation services. His business is located within urban area and his primary customers are residents. He describes his biggest business challenge to be competition from motorcycles. He will use the Kes 20,000 loan to purchase a secondhand motorcycle. His business goal is to expand his business within five years. This is his first loan with SMEP DTM.