Patrick is a 44-year-old, married man, who has five children. He describes himself as a trustworthy and credible father. He is applying for a loan of KES 100,000, which he will use to purchase buckets, blankets, and water tanks for his business. This will help him to increase the stock at his store. The intended profits will be used to improve his family's welfare. This is his third loan through SMEP DTM. His previous loans were repaid successfully.