Samuel is a 48-year-old married man with seven children. He describes himself as an ambitious man who has vision for his business to grow. He has been operating a fish selling business in the Kisumu area for the past four years and it's next to the lake. Customers are usually traders from nearby villages. Samuel is applying for a loan of 20,000 KES that will be used to purchase fish for resale. The anticipated profits will be used to increase the amount of area he is supplying to and stock. This will be his first loan application with SMEP DTM.