Fredrick is a 29-year-old married man. He has 1 child. He describes himself as determined. He operates a welding store where he makes metal doors, chairs and stools. He has been involved in this business for 3 years. His business is located in a competitive area and his primary customers are local residents. He identifies his biggest business challenge as lack of capital. He will use the 50,000 KES loan to buy metal for making metal doors, chairs and stools. His business goal is to own a big hardware store within 5 years. This is his second loan with SMEP DTM. The previous loan was paid successfully.