Kibiwot is aged 24 years and operates a kiosk business; most of his customers are the local residents. He plans to use the loan to buy more stock for resale so as to grow his business. He has been in this business for two years and sees himself operating a wholesale in five years' time. Kibiwot is a focused and persistent man and hopes to have a successful business in future. This is his first loan with SMEP DTM.