Jacob is a 34-year-old married man with three children. The eldest child is eight and the youngest is two years old. He is applying for a loan of KES 40,000 to purchase a second hand motorcycle for transportation. His boda boda business has been running for the past five years and now he wants to purchase his own motorcycle. Most of his customers are working people who need to be transported to their work places. This will be his first application for a loan with SMEP DTM.