Paul is a married man and has 1 child. He describes himself to be motivated. He operates a clothes store where he sells clothes. He has been involved in this business for 10 years. His business is located in a good area. He describes his biggest business challenge to be lack of funds. He will use the KES 20,000 loan to add stock of clothes to his store. His business goal is to own a boutique within 5 years. He hopes that in the future, he will live a happy life. This is his second loan with SMEP DTM. A previous loan of KES 10,000 was repaid successfully.