Stephen is a married man. He has two children. He describes himself as assertive. He operates a retail store where he sells shoes. He has been involved in this business for two years. His business is located in a potential area. He describes his biggest business challenge as transport for his products. He will use the KES 75,000 loan to add stock of shoes to sell. His business goal is to be importing shoes to sell within five years. He hopes that in the future, he will do well in business. This is his second loan with SMEP DTM. He will use the anticipated profits to open another shoe shop.