Paul is a married man, aged thirty years, and he has three children, aged between four and six years. He is involved in a transport business, and he plans to use this loan to diversify his investment, by opening a grocery store. He operates in a busy environment, and his customers are local residents. Paul faces the problem of insufficient funds. He plans to buy another motorcycle with the anticipated profits from using this loan. Paul is hardworking and hopes that, in five years time, he will be operating taxi transport services. The taxi business would result in higher income, translating to a better living standard. This is Paul's first loan with SMEP DTM.