Mark is a 30-year-old single man. He describes himself to be innovative. He operates a retail shop where he sells milk, sugar, rice and other items. He has been involved in this business for 5 years. His business is located in an urban area. He describes his biggest business challenge to be lack of enough funds. He will use the 20,000 KES loan to to add stock to his inventory of milk, sugar, rice and other items to sell in his retail store. His business goal is to have a supermarket within 5 years. This is his first loan with SMEP DTM.