Tonui is a 40-year-old married man. He has 5 children. Tonui describes himself as a focused man. He operates a farm where he sells maize, cabbages, potatoes, and other crops. His business is located within a densely populated rural area, and his primary customers are everyday consumers from the village. Tonui describes his biggest business challenge as inadequate farm inputs. He will use the KES 20,000 loan to purchase farm inputs such as fertilizer and seed. His goal is to improve his agribusiness within 5 years. This is his first loan with SMEP DTM.