Peter is a 31 year old married man. He has four children aged between one and six years. He has been operating a water business for five years. He plans to use the loan to pay school fees for his children and also buy an oxen cart. Peter is a talkative man and hopes to have a tuk tuk (motorized cart) to supply water in five years time. This is his first loan with SMEP DTM. He also earns extra income farming.