Josphat is a 25-year-old single man. He describes himself to be ambitious. He operates a computer service. He has been involved in this business for two years. His business is located in a busy environment. He describes his biggest business challenge to be inadequate capital. He will use the KES 20,000 loan to purchase software to upgrade computers. His business goal is to open a larger store within five years. This will be his first loan application with SMEP DTM.