Stanley is a 37-year-old married man. He has 5 children with ages ranging from 1 year to 12 years. He describes himself to be ambitious. He operates a clothes shop where he sells clothes. He has been involved in this business for 4 years. His business is located in an urban area. He will use the 20,000 KES loan to to buy more clothes to sell. His business goal is to open a big store within 5 years. This is his first loan with SMEP DTM.