Zebby is a 55-year-old married man. He has five children with ages ranging from 15 to 24 years old. He describes himself to be ambitious. He operates a taxi business where he offers transport services to customers. He has been involved in this business for ten years. His business is located in a busy and competitive area. He describes his biggest business challenge to be poor roads. He will use the 50,000 KES loan to buy motor vehicle spare parts. His business goal is to have another car for taxi services within five years. He will use the profits to improve his business. This is his sixth loan with SMEP DTM. Previous loans were paid successfully.