Paul is a married man aged thirty nine years. He runs a retail shop where he sells products such as maize flour, sugar, cooking oil etc The shop is located in a busy area and most of the customers are the local residents. He plans to use the loan to buy stock, eg., cooking oil and sugar for sale. Paul hopes to own a wholesale business in five years time. This is his third loan with SMEP DTM. The previous ones he has been able to to repay successfully. He is a determined man.