Bernard is a 53-year-old man with 3 children. He describes himself as determined. Bernard operates a grocery store where he sells bananas, tomatoes, onions, and vegetables. He has been involved in this business for 3 years. His business is located in an area with lots of customers, and his primary customers are local residents. He describes his biggest business challenge as a lack of capital. He will use the requested KES 50,000 loan to buy stocks of bananas, tomatoes, onions, and other vegetables. His business goal is to own a big grocery within 5 years. This is his first loan with SMEP DTM.