Paul is a 31-year-old married man. He has three children. He describes himself as aggressive in business. He operates a business transporting customers using his rickshaw. He has been involved in this business for 4 years. His business is located in an area fit for the business, and his primary customers are daily travelers. He describes his biggest business challenge as price fluctuations. He will use the 20,000 KES loan to buy spare parts to service the rickshaw. His business goal is to be stable and successful within 5 years. This is his first loan with SMEP DTM. He will use the anticipated profits to pay school fees for his children.