George is a 35-year-old married man with two children. He describes himself as determined. He operates a welding shop where he makes metal chairs and stools. He has been involved in this business for three years. His business is located in a competitive area and his primary customers are local residents. He describes his biggest business challenge to be lack of capital. He will use the KES 20,000 loan to buy more welding materials and metals. His business goal is to open a big welding shop within five years. This is his first loan with SMEP DTM.