George is a 29-year-old man. He has a child who is one year old. He describes himself as jovial. He operates a retail shop where he sells milk, soap, salt, cooking flour etc. He has been involved in this business for six years. His business is located in an urban area and his primary customers are the general public. He describes his biggest business challenge as insecurity. He will use the KES 40,000 loan to add stock of milk, bread, soap and other items. His business goal is to expand within five years. He hopes that in the future, he will be successful. This is his second loan with SMEP DTM.