Sylvester is a 42-year-old married man with six children. He describes himself as determined. He operates a tinsmith business where he makes metallic cookers that are fueled by charcoal. He has been involved in this business for three years. His business is located in a competitive area and his primary customers are locals. He describes his biggest business challenge to be inadequate finances. He will use the KES 40,000 loan to buy sheets of metal for making the cookers. His business goal is to own a big shop within five years. This is his first loan with SMEP DTM.