David is a 38-year-old married man. He has three children with ages ranging from 6 years to 15 years. He describes himself to be determined. He operates a bakery where he cooks cakes, African doughnuts, etc., for sale. He uses a motorcycle to transport his products to buyers. He has been involved in this business for one year. His business is located in an area good for business, and his primary customers are local residents.
He describes his biggest business challenge to be lack of funds to expand the business. He will use the 20,000 KES (Kenyan shillings) loan to buy wheat flour, cooking oil and other items to boost his business. His business goal is to be a wholesale supplier of cakes within five years. This is his first loan with SMEP DTM. He will use the anticipated profits to buy a piece of land and build a house.