John is a 31-year-old married man. He has two children, ages 7 and 11 years. He describes himself to be open minded and determined. He operates a retail shop where he sells shoes. He has been involved in this business for 6 years. His business is located in an area with potential, and his primary customers are of all types. He describes his biggest business challenges to be changes in fashion and inadequate finances. He will use the Kes 40,000 loan to increase stock of shoes for resale. His business goal is to be self-reliant and have a fixed premise within 5 years. He hopes that in the future, his business will excel. This is his second loan with SMEP DTM. His previous loan of Kes 20,000 was paid successfully.