Felix is a 39-year-old married man. He has four children with ages ranging from seven years to 23 years. He describes himself to be visionary. He operates a cereals store where he sells cereals i.e maize, beans, etc. He has been involved in this business for two years. His business is located in a competitive area and his primary customers are regular. He describes his biggest business challenge to be fluctuation of prices. He will use the Kes 30,000 loan to add to his stock of cereals for resale. His business goal is to be a supplier within five years. He hopes that in the future, he will be a successful business man. This is his first loan with SMEP DTM.