Kenneth is a married man. He has four children. He describes himself to be focused. He operates a farm, where he grows crops and also keeps dairy cattle. His business is located in a productive area. He describes his biggest business challenge to be changes in weather patterns. He will use the 20,000 KES loan to buy fertilizer, seeds and also to cover labor costs. His business goal is to do horticulture farming within five years. He will use the profits to expand his farming area. This is his second loan with SMEP DTM. His previous loan was paid successfully.