Peter is a 50-year-old, married man. He has five children. He describes himself as "determined." He operates a retail shop, where he sells mobile phone accessories and also repairs mobile phones. He has been involved in this business for seven years. His business is located in a potential area, and his primary customers are of all types. He says his biggest business challenge is inadequate financing. He will use the KES 20,000 loan to add to his stock of mobile phone accessories. His business goal is to be financially stable, within five years. He hopes that in the future, he will excel. This is his first loan with SMEP DTM.