Ericson is a 25 year old man. He describes himself as a determined and focused businessman. He has operated a retail shop in Nakuru area for the past 2 years. He describes the area as very busy due to the people working for the flower farm. He is applying for a loan of KES 20,000 that will be used to purchase sugar, tea leaves, flour, etc as stock for his retail store. In the future, he sees himself owning a supermarket in this area. This will be his 1st loan application with SMEP DTM.