Mutisya is a 19-year-old single man. He describes himself as talkative. He operates an electronics shop where he sells televisions, batteries, mobile phones, chargers and other items. He has been involved in this business for four years. His business is located in a commercial area and his primary customers are both men and women. He describes his biggest business challenge to be lack of enough funds. He will use the KES 20,000 loan to buy more electronics to resell. He hopes that in the future he will have a happy educated family. This is his first loan with SMEP DTM.