Bernard is a married father of 3 children. He describes himself as a commited parent. He plans to use this loan to buy farm inputs. He is involved in a farming business where he deals with planting of crops like potatoes, cabbages and beans. He describes the area of farming as a productive area and is requesting a loan of 20,000 KES through SMEP DTM to buy farming inputs. This is his first application for a loan. He sees himself with more land to cultivate in the near future.