John is a 24-year-old, married man and has a one-year-old child. He operates a motorbike business and has done this for four years. The business is located in a favorable area and the customers are the local residents. He plans to use the loan to buy another motorbike for business. This is his second loan with SMEP DTM and the previous loan of 20,000 KES was successfully paid. John hopes to grow to a taxi (car) level in the future. He is a determined man and sees himself having a car in five years time.