John is a 43-year-old married man. He has three children with ages ranging from 7 years to 18 years. He describes himself to be optimistic. He operates a retail store where he sells bags, caps, belts, scuffs and other items. He has been involved in this business for 10 years. His business is located in a populated area and his primary customers are middle and low income earners.
John describes his biggest business challenge to be lack of capital. He will use the Kes 50,000 loan to to buy stock of caps, scuffs, belts, bags and other items for resale. His business goal is to expand the business within five years. This is his third loan with SMEP DTM. Previous loans were repaid successfully.