Philip is a 48-year-old man with 4 children. He describes himself to be honest. He operates a retail store where he sells flour, sugar, cooking oil and other items. He has been involved in this business for 10 years. His business is located in a populated area. He describes his biggest business challenge to be lack of stock. He will use the KES 100,000 loan to buy more stock of flour, sugar, salt, cooking oil and other items. His business goal is to own a wholesale space within 5 years. This is his fifth loan with SMEP DTM. His previous loans were paid back successfully.